SBA Portfolio & Credit Manager - Midvale, UT

ZiFi is a digital banking platform within Zions Bancorporation focused on
building a digital SBA loan program
.

We’re looking for an experienced
SBA Portfolio & Credit Manager
who is excited to
build, own, and evolve an SBA lending program
. This role combines
hands‑on SBA underwriting, program administration, and team leadership
.You’ll manage one team member initially and help grow a small, high impact team as the portfolio expands.

This role is ideal for someone who enjoys
clarity of ownership
, working closely with partners across credit, risk, operations, and technology, and shaping how SBA lending works in a digital first environment.

Underwrite and approve
SBA 7(a) small business loans
, ensuring strong repayment analysis, eligibility, and credit structure

Serve as a trusted point of expertise for SBA credit decisions and complex eligibility questions

Balance sound credit judgment with a streamlined borrower experience

Act as ZiFi’s
SBA program administrator
, owning adherence to SBA SOPs, procedural notices, and program guidance

Monitor SBA policy changes and translate them into clear, practical processes

Partner with enterprise SBA, risk, and compliance teams to support delegated authority and program governance

Build and oversee portfolio monitoring practices, including:

• Risk grading and credit quality reviews
• Financial statement and covenant tracking
• Early risk identification and remediation planning
• Support problem loan and collection efforts in coordination with enterprise partners

Help design, document, and improve
end-to-end SBA credit and portfolio processes

Partner with operations and technology teams to implement scalable tools, workflows, and reporting

Continuously refine processes as loan volume grows and program needs evolve

Directly manage and coach one team member initially, with responsibility to grow the team over time

Provide hands‑on guidance, training, and development in SBA underwriting and portfolio management

Foster a culture of accountability, learning, and sound risk management

Partner closely with enterprise credit, operations, finance, risk, and audit teams

Support RCSA activities, audits, and regulatory reviews

Ensure consistent adherence to policies, procedures, and safety and soundness standards

• 6+ years of experience in
  SBA lending, business banking credit, or portfolio management
• Bachelor’s degree in business, finance, accounting, or related field
• Strong working knowledge of
  SBA 7(a) SOPs and eligibility requirements
• Hands‑on experience underwriting small business loans
• Prior people management or lead experience

• Experience serving as an SBA administrator, SBA SME, or similar oversight role
• Experience building or enhancing credit, portfolio, or compliance processes
• Comfort operating in a developing orgrowth oriented program environment

• Strong credit judgment and risk awareness
• Practical, solutions‑oriented approach to compliance
• Clear communicator who can translate SBA guidance into action
• Organized, adaptable, and comfortable balancing structure with flexibility
• Collaborative mindset and ability to work across teams

Help shape an SBA lending program from the early stages

Influence how credit, compliance, and portfolio management scale over time

Work in a digital first environment with enterprise support

Make a direct impact on small businesses and how they access capital

Apply today and help us empower small businesses to thrive!

This SBA Portfolio & Credit Manager (Business Banking Portfolio Management Manager) position is not eligible for employment visa sponsorship (e.g., H‑1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H‑1B visa sponsorship within a few years of employment to maintain employment eligibility.

This position is fully in office (5 days a week) at the Zions Technology Center - 7860 South Bingham Junction Blvd, Midvale, UT 84047

The Zions Technology…