SBA Portfolio Manager - ZiFi, Midvale

Are you passionate about supporting small businesses, working with great people, and ensuring portfolio excellence? We're looking for an experienced SBA Portfolio Manager to join our ZiFi lending team. ZiFi is a modern digital bank redefining business banking.

Zions Bancorporation is on a mission to build the bank of the future, redefining what it means to work for a financial institution. We operate in a dynamic, information-driven environment, and we value diverse experiences, perspectives, and expertise to meet the evolving demands of our technology‑savvy customers.

We are seeking a Portfolio Manager to join Zions Bancorporation. As a Portfolio Manager supporting ZiFI, you will play a pivotal role in managing and servicing a portfolio of existing loan relationships, ensuring high levels of customer satisfaction and optimal portfolio performance. You will be responsible for analyzing financial statements, monitoring collateral requirements, structuring and pricing loans, and supporting credit analysis and underwriting.

This role requires strong analytical skills, attention to detail, and the ability to communicate complex financial information effectively. You will collaborate with bankers and cross‑functional teams to deliver tailored solutions and contribute to the overall growth and success of the organization.

• Manage and monitor SBA 7(a) small loan portfolios.
• Ensure compliance with the SBA's SOP and internal policies.
• Process new loans, loan modifications, and guaranty fee calculations.
• Utilize ETRAN for SBSS, servicing updates, and reporting.
• Collaborate with borrowers and internal teams to maintain portfolio health.
• File UCCs, manage insurance requirements, request title and environmental reports.

• Manage and service a portfolio of existing loan relationships, ensuring customer satisfaction and portfolio profitability.
• Expand and build relationships with clients, addressing their financial needs and providing exceptional service.
• Spread and analyze financial statements, address industry risks, and monitor collateral requirements.
• Structure loans, perform credit analysis and underwriting, and monitor credit performance.
• Handle reporting on loans, including past dues, documentation and collateral exceptions, financial performance updates, and auto risk grades.
• Stay informed of financial and market trends, analyzing their impact on the portfolio.
• Ensure compliance with banking policies, procedures, and regulations.
• Participate in special projects and other duties as assigned.
• Collaborate with internal teams to ensure alignment with organizational goals.

• 2 to 4 years of SBA lending experience, specifically SBA 7(a) small loans.
• Closing loans with collateral including loans with real estate.
• Strong knowledge of SBA SOPs, guaranty fees, and servicing requirements.
• Hands‑on experience with ETRAN and SBA reporting.
• Excellent analytical and communication skills.

• 2+ years of experience in banking, relationship management, lending, underwriting, credit, or other directly related experience (required).
• Bachelor's degree in Finance, Business, or a related field (required).
• Knowledge of SBA loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, and loan documentation.
• Solid understanding of SBA small loans, services, policies, procedures, and regulations.
• Strong credit skills in underwriting, financial modeling, valuations, and adherence to policy.
• Excellent customer service, relationship management, organizational, analytical, and creative problem‑solving skills required.
• Ability to meet deadlines and manage multiple priorities.
• Must have solid communication skills, both verbal and written.
• Knowledge of various software applications including word processing and spreadsheets.

An equivalent combination of education and experience may meet qualifications.

This Portfolio Manager position is currently 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…