AVP - Senior Portfolio Analyst

About Phoenix Lender Services

Phoenix Lender Services: Empowering Growth, Simplifying Servicing, and Delivering Value.

At Phoenix Lender Services, we are dedicated to helping lenders unlock their full potential. Our specialized team, experts in USDA and SBA government-guaranteed lending, navigates the complex application process from start to finish, eliminating the need for lenders to invest in additional overhead. By streamlining this intricate process, we allow both traditional and non-traditional lenders to concentrate on their core objectives without building dedicated departments for loan requests.

Together, we pave the way for success, fostering innovation and efficiency in the lending industry.

Based in Georgia and serving clients nationwide, Phoenix Lender Services offers a comprehensive suite of solutions, including access to capital, loan underwriting, loan servicing, portfolio management, compliance reviews, and risk analysis. Our seasoned professionals combine extensive industry expertise with cutting-edge technology to provide tailored strategies that align with each client’s unique goals.

Phoenix Lender Services: Your partner in fueling growth, revolutionizing lending, and creating sustainable value.

Position Summary:

The AVP – Senior Portfolio Analyst is primarily responsible for providing assistance and support for closed SBA 7a, SBA SLA, SBA Express, SBA 504 and SBA PPP loans. This position is also responsible for managing all aspects of the SBA portfolio including working closely with clients to optimize opportunities, ensure compliance with SBA and government policies, and monitor risk. The AVP Senior Portfolio Analyst will assist the SVP - Special Assets in handling problem SBA loans.

Job Duties/Responsibilities:

• Maintain existing SBA portfolio by monitoring tickler items, required financials, etc. to ensure compliance with government policies.
• Process servicing actions in accordance with the SBA Servicing and Liquidation procedures.
• Respond to all client inquiries and requests regarding releases, subordinations, and substitutions of collateral, and loan payoff demand requests.
• Maintain up to date knowledge of bank policies, with advanced knowledge of SBA loan policies and procedures, as well as some knowledge of underwriting, processing and servicing of SBA loans.
• Complete Post Closed SBA file reviews on new SBA loans.
• Acquire, execute and/or complete any necessary documentation required for a clean file to ensure readiness for internal and external audits.
• Perform annual reviews in accordance with SBA and internal credit guidelines.
• Review and monitor documents for collection efforts as needed for insurance and real estate taxes and payoff and collateral releases.
• Assist in managing past due and maturing loans by monitoring portfolio for delinquencies.
• Prepare deferment requests to be approved by their manager. Document them in the borrowers’ loan folder.
• Understand and adhere to the organization’s SBA Loan Policy and the SBA SOP compliance rules and regulations.
• Ensure deficiencies are accurately resolved and documentation is received within established deadlines and escalate all unresolved issues to management, where appropriate.
• Work closely with the Portfolio Manager in providing reporting to the organization’s Senior Management as needed.
• Complete all assigned mandatory and regulatory training within required time frames.
• Assists SVP – Special assists with problem SBA loans.
• Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.
• Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.
• Confidently embody Community Bank & Trust – West Georgia’s Mission, Vision and Values.
• Represent Community Bank & Trust – West Georgia in the community and at community events.
• Perform all other duties as assigned.

Required Skills/Abilities:

• Working knowledge of PCFS – Loan Manager.
• Strong organizational skills, high level of accuracy and attention to detail.
• Excellent time management and multi-tasking skills and ability to set goals, meet deadlines, prioritize work and handle interruptions while maintaining focus on results and quality.
• Excellent written and oral communication skills, including the ability to read and interpret written information, recall written and oral instructions provided by others, edit documents for accuracy, grammar and spelling, write clearly and informatively and communicate information with clarity, tact and diplomacy.
• Ability to establish and maintain effective working relationships with co-workers, customers and vendors. Ability to work effectively both independently and as part of the team.
• Proficiency in using Microsoft Office Suite and banking/loan software programs and platforms.

Education and Experience:

• An undergraduate degree in business, accounting, or finance, or a related field or an equivalent combination of training and experience.
• Minimum of 3 years of experience in commercial/SBA lending.
• Minimum of 2 years SBA Loan Servicing Assistance.

Physical Demands and Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to communicate. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled.

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Note:

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.

This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship.