SBA Pre​/Post Closing Auditor

Join to apply for the SBA Portfolio Management Analyst role at Regions Bank
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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 ongoing 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 Packages, along with the coordination of SBA Servicing Center decisions.

• 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 assessment packages.
• Evaluates and approves draw requests, ensuring that all required documentation is submitted and acceptable, per Regions' and SBA loan policy guidelines.
• Analyzes deal memo 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.

• 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.
• Strong analytical and problem solving skills.
• Strong verbal and written communication skills.

Full time.

Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individuals include: experience, skills, knowledge, contribution, job location, and, most importantly, performance in the job role. Target information is based on the Metropolitan Statistical Area Market Range for the position.
Minimum: $63,813.75 USD
Median: $80,200.00 USD
Incentive Pay Plans:
Eligible to participate in a discretionary incentive plan. Employees may receive a discretionary award based on performance against defined metrics and goals.

• Paid Vacation/Sick Time
• 401K with Company Match
• Medical, Dental and Vision Benefits
• Disability Benefits
• Health Savings Account
• Flexible Spending Account
• Life Insurance
• Parental Leave
• Employee Assistance Program
• Associate Volunteer Program

Riverchase Complex North Building, Hoover, Alabama.

Equal Opportunity Employer/including Disabled/Veterans.

Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.