SBA Pre​/Post Closing Auditor

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At Regions, the SBA Portfolio Management Analyst is responsible for providing proactive credit servicing and management of servicing actions, from booking and funding through on-going servicing for the Regions SBA Portfolio. This position serves as the on-going and final evaluation point for SBA loans, reviewing loan terms and conditions, completing SBA guaranty evaluations, financial statement spreading, Global Cash Flow spreading, and SBA Guaranty Request Package's along with the coordination of SBA Servicing Center decisions.

The SBA Portfolio Management Analyst will execute various credit servicing activities, including tickler management, updating borrower and global spreads, and formal documentation of Ongoing Monitoring and Periodic Assessment actions.

• Manages an assigned portfolio of SBA loan accounts.
• Services loans including, but not limited to annual review of loans, loan modifications, quarterly problem asset reports on loans not transferred to a workout specialist, SBA Viability Reviews, SBA Litigation / Liquidation Packages and SBA Guaranty Request packages for submission to SBA
• Manages relationship portfolio risk by utilizing a broad group of business and commercial sources
• Collaborates with business development and the customer to gain the necessary documents to analyze the credit request and deliver a credit memo on a timely basis
• Applies a full understanding of the SBA Standard Operating Procedures (SOP), SBA Loan Servicing and Liquidation Procedures (SOP 50 57
  2) and Servicing and Liquidation Actions Lender Matrix
• Serves as SBA liaison for the PAM Group to remain in SBA compliance on relationships transferred to workout specialists
• Prepares ongoing monitoring packages and periodic
• Evaluate and approve draw requests, ensuring that all required documentation is submitted and acceptable, per Regions' and SBA loan policy guidelines
• Analyzes deal to ensure key SBA criteria such as credit elsewhere, equity injection, nature of the business & request, etc. are appropriately addressed
• Spreads borrower interim and year-end financial statements and prepares Global Cash Flow
• Spreads and analyzes guarantor financial information
• Prepares certain sections and appendices of Credit Approval Packages and coordinates with closing team to approve post-decisioning required underwriting documentation
• Uses insight as initial point of deal evaluation to identify trends that may result in further evaluation of processes and/or training needs

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

This position is incentive eligible.

• Bachelor's degree in Accounting, Finance, or related field
• Two (2) years of SBA experience, commercial loan underwriting, financial analysis or portfolio management experience

• Ability to identify and voice issues
• Ability to prioritize and operate with a sense of urgency
• Ability to work collaboratively with multiple stakeholders
• Organized, detail-oriented, and able to multi-task
• Stron…