SBA Portfolio Manager

We are changing FINANCE to finance CHANGE!

At Climate First Bank, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them.

Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

Join the Movement

We’re seeking driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

Now Hiring: SBA Portfolio Manager

The SBA Portfolio Manager is responsible for the prudent oversight of the SBA Lending portfolio, including loan servicing, financial and collateral analysis, risk identification, and reporting. This role plays a critical part in maintaining portfolio health, ensuring regulatory compliance, and supporting clients throughout the life of their SBA loans in a collaborative, fast-paced environment.

Thrive at Climate First Bank

At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Compensation — In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match — No Vesting Period.
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives

Generous Paid Time Off

• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time for all full-time employees.

Protection & Peace of Mind

• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.

What You’ll Contribute as the SBA Portfolio Manager

SBA Loan Portfolio Management & Compliance

• Manage the bank’s SBA 7(a) loan portfolio, including servicing, monitoring, and reporting activities.
• Maintain working knowledge of SBA SOP 50 57, the Servicing and Liquidation Lender Matrix, and related regulatory guidance.
• Request, analyze, and review borrower financial information required for annual and ongoing reviews.
• Conduct or coordinate site visits and prepare routine and special portfolio reports.

Credit Risk Identification, Analysis & Workout Execution

• Identify portfolio-level and loan-specific risks and recommend mitigation strategies.
• Recognize early warning signs of problem loans and take timely action to prevent further deterioration.
• Analyze borrower financial performance and operating history to support credit recommendations.
• Develop and execute loan workout strategies, including special asset management when required.

Stakeholder Collaboration, Client Service & Subject Matter Leadership

• Provide responsive, high-quality service to SBA borrowers and internal partners.
• Collaborate with credit, lending, legal, and operations teams to resolve complex loan issues.
• Serve as a subject matter resource on SBA regulations, servicing standards, and agency guidance.

Champion Our Mission, Protect What Matters

• Embody a commitment to environmental, social, economic, and racial justice.
• Pursue education related to sustainability practices.
• Understand and follow Bank policies, procedures, and regulations.
• Protect the organization and its customers by identifying and escalating suspicious or fraudulent activity in collaboration with appropriate teams.
• Maintain working knowledge of applicable laws, regulations, and Bank policies; complete all required compliance and IT training.

What You’ll Leverage in this Role:

Experience & Education

• Bachelor’s degree in finance, Business Administration, or a related field preferred; can be substituted with relevant and extensive experience.
• 5+ years of experience in SBA loan portfolio management, with a focus on special assets.

Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, and showcase your proven track record in managing distressed or non-performing loans, including developing and executing workout strategies. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.

Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and possess effective negotiation skills, with the ability to build rapport and manage relationships with borrowers and internal stakeholders.

Banking & Fintech Acumen- are highly educated in financial products and services, applicable regulations and laws. You also possess strong overall business acumen and are well-versed in SBA SOP’s, guidelines, and regulations. You hold excellent analytical skills with the ability to assess financial statements, credit reports, and loan documentation.

Tech-Forward and Analytical Thinking - You are proficient in loan servicing systems and Microsoft Office Suite (Excel, Word, Outlook). You also possess the ability to learn new tools quickly, are excited by innovation and leverage technology to optimize your work process.

Commitment to Being a Team Player - You possess the ability to work independently in a remote environment while contributing to a collaborative team effort. You lift others up, share ideas, and bring positive energy to everything you do. You’re dependable, communicate clearly and always happy to lend a hand where needed.

What to expect from your physical environment

• Remote role within the United States; Eastern Standard Hours.
• Occasional U.S. travel for company events or leadership sessions.
• Sustained standing and sitting.
• Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
• Occasional lifting up to 20 lbs.

What to expect from the hiring process:

Our process follows the Topgrading Methodology — we hire A-Players through a structured, transparent process.

• Credit and background checks conducted upfront.
• 3 conversation stages with key team members. We welcome questions and dialogue!
• Cognitive and personality assessments, as well as in-depth application spanning your full education and work history.
• Final Step: Connect us with former mentors and managers for brief reference chats.

HOW TO APPLY: Apply through the official application link. Resumes sent via unofficial channels may be delayed or not reviewed. All applicants receive confirmation upon submission. Due to high volume, processing times may vary. We will email or text updates throughout the process.

Equal Opportunity Statement:

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment.

Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.