SBA Portfolio Manager/Credit Analyst

Company: Umpqua Bank
Location: La Mesa
Posted on: January 19, 2023

Job Description:

In this role, you will be responsible for the management of the SBA loan portfolio including government guaranteed and conventional loans. You will conduct in-depth analysis of risk associated with the financial condition of existing and prospective customers to recommend changes in the loan reporting of any given customer.FunctionsProvide financial analysis for all types of credit.Prepare written Loan Status Reports, CARE forms, credit analyses, industry peer comparisons, cash flow analysis and updates written industry studies.Manage, review and monitor, through a tickler system, past due loans, and loan maturities, and follow up for updated financial information. Research institution and industry issues.Handle technical, often difficult loan functions. Review and monitor commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions.Follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources.May work with attorneys and other financial or legal resources to obtain correct and accurate documents to fully protect the financial institution's interests in the credit relationship.Resolve and/or restructure problem commercial loans and manage them through to appropriate grading.Demonstrate compliance with all bank regulations that apply to your position, and keep up to date on regulation changes.Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations that apply to your position.QualificationsBachelor's degree or equivalent experience3-5 years of experience in Commercial or SBA Lending with a minimum of 5 years of credit analysis or loan review.Advanced Underwriting skillsExtensive knowledge of government guaranteed products, processes, and procedures.Advanced understanding of credit policy and proceduresIndividuals and entities suspended, debarred, revoked, or otherwise excluded under the SBA or Government-wide-debarment regulations are not permitted to conduct business with SBA, including participating in an SBA --guaranteed loan. Umpqua Bank is responsible for consulting the System for Awards Management's (SAM) Excluded Parties List System (EPLS) or any successor system to determine if an employee or an Agent has been debarred, suspended, or otherwise excluded by SBA or other federal agency.Physical Requirements and Working ConditionsWork involves:walkinglifting up to 25 pounds.Occasional local travelNo relocation offered.About UsWe do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

Keywords: Umpqua Bank, La Mesa , SBA Portfolio Manager/Credit Analyst, Professions , La Mesa, California