Sr. SBA Commercial Portfolio Manager

Division:              Beacon Bank & Trust

Department:        Small Business – 44 Business Capital

Reports to:          FVP, SBA Associate Credit Director

Status:                 Exempt/Officer/VP

Grade:                  11

Pay Range:         $66,699 - $122,975

Salary range updated 4/10/2026. Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

Location:            (PA, NY, MA, CT, RI, VT)

Purpose/Objective:

Provides relationship management support to Line of Business (SBA Lending) in monitoring and servicing an existing portfolio of complex loans and borrowing relationships. Continuously evaluates operational and financial performance to maintain portfolio quality and risk rating accuracy. Interacts with customers as well as bank employees to address credit and loan service-related matters in a satisfactory manner. Assists Lending Officers in all aspects of servicing customers.

Key Accountabilities:

Portfolio Size/Composition

• Assists Relationship Manager(s) (RM) with the management of a defined portfolio of existing Commercial Customers
• Customers may have unique and/or more challenging banking needs

• Customers may require specialized knowledge/industry expertise (SBA)

Portfolio Monitoring/Maintenance

• Assists RM in the proactive management of the portfolio to ensure early detection of material changes in customer performance
• Manages all reporting delinquencies including ongoing tracking via Baker Hill to ensure timely receipt of all financial, collateral, borrowing base, insurance, and documentation exception/post-closing information including scanning information into Image Centre/FCM
• Completion of Annual Reviews for relationships periodic file memos
• Review and complete customer modification requests and waivers per policy under the direction of the FVP, Associate Credit Director – SBA to include all program and compliance required documentation, review documents for customers to sign, work with counsel when needed for additional file requirements and documents, send documents for signature and update loan files with current financial documentation.
• Enters Line of Credit advance/pay down requests in Salesforce or system to include customer verification and communication with ACD/wire approvers
• Ensures Credit File completeness in FCM

Credit/Analytical Skills

• Credit Trained or equivalent level of experience
• Knowledge of SBA SOP 5010 and 5057 commensurate with experience
• Ability to assess financial performance and risk including identifying ways to mitigate risk to the bank
• Solid working relationship with Credit Partners to ensure ongoing credit quality of portfolio
• Underwriting as necessary
• Strong working knowledge of Loan policy and proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements
• May have specialized industry/market knowledge consistent with portfolio (SBA)

Customer Service/Support

• Provides excellent customer service
• Ability to resolve customer problems independently
• Site Visits/ customer calls as assigned

Deal Structuring/Loan Closing

• Ability to review most loan documentation with minimal guidance from RM
• Assists team with Loan Closings/Modifications and post-closing follow up

Partner Relationships

• Demonstrated solid working relationships with internal partners including Credit, Documentation & Loan Specialists, Risk Management, Cash Management, Private Banking, Wealth Management, Retail, and Home Lending
• Interacts with partners with minimal supervision
• Mentors department staff as assigned and can provide supervisorial support to department manager as assigned

Product Knowledge

• Solid knowledge of Commercial Credit Products and Services
• Developing well-rounded knowledge of products sold by internal partners including Cash Management, Private Banking, Wealth Management, Retail and Home Lending
• Ability to identify various cross-sell opportunities and make solid product recommendations to meet customer needs

Networking/Community Involvement

• As Assigned and congruent with X Team objectives and community involvement

Special Projects

• Assists with all special projects including Loan Review/Regulator Audit preparation, ongoing due diligence, industry research and portfolio scrubs as needed.
• Conducts Archer Testing as appropriate

Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.

Education:

• BS Degree in Business, Economics or Finance or 10+ years in a banking career including financial analysis or loan workout as a prerequisite
• Equivalent financial experience
• Continuing education in bank related courses

Experience:

• Minimum of 10+ years of small business loan closing, underwriting and/or loan servicing and/or equivalent related experience of ascending responsibilities.
• Minimum of 5 years SBA experience.
• Credit Trained or equivalent level of experience
• Strong working knowledge of Loan policy and proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements

Skills & Knowledge:

• Ability to prioritize and work under pressure
• Solid written and verbal communications skills
• Strong attention to detail
• Ability to present identified issues and recommended solutions to RM/Senior Management/ORC/ELC as appropriate
• Ability to work as a member of team
• Proficient in Microsoft Office including Word, Excel, PowerPoint, Outlook, etc.
• Computer skills including web-based searches
• Ability to assess financial performance and risk including identifying ways to mitigate risk to the bank
• Solid working relationship with Credit Partners to ensure ongoing credit quality of portfolio
• Ability to prepare Credit Memos for all servicing requests including financial statement spreading

Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at [email protected].