SBA Operations Manager

The SBA Operations Manager is responsible for the post approval review and operational processing of Small Business Administration (SBA) loan applications to ensure compliance with SBA Standard Operating Procedures (SOP) and bank underwriting guidelines prior to procuring guarantees under SBA's delegated authority. This role serves as a critical control point between loan approval and loan closing by validating that all SBA required documentation, underwriting analysis, and credit approval materials are complete, accurate, and fully compliant.

The SBA Operations Manager partners closely with Business Banking Officers, Loan Officers, and the SBA business development team to resolve documentation deficiencies, with Credit Professionals to confirm that all SBA underwriting and analysis requirements are properly reflected in the credit approval memo, and with the Commercial Documentation department to ensure that loan documents are compliant with SBA SOP.

SBA Eligibility & Compliance Review

• Review approved SBA loan applications to ensure full compliance with SBA eligibility and other SOP provisions, and loan program guidelines.
• Validate borrower, guarantor, affiliate, and business eligibility, including ownership structures, use of proceeds, size standards, and ineligible activities.
• Ensure that all SBArequired forms (e.g., SBA Form 1919, franchise agreements, etc.) are completed accurately.

SOP & Credit Approval Alignment

• Conduct detailed reviews of credit approval memoranda to confirm all required elements (e.g. credit elsewhere, all available collateral, etc.) are appropriately documented.
• Identify discrepancies between the credit approval, SBA SOP requirements, and loan documentation and coordinate resolution prior to closing.

Documentation & File Quality Control

• Perform quality control checks on SBA loan files to ensure completeness, accuracy, and audit readiness prior to closing or SBA submission.
• Confirm receipt of all required thirdparty reports, exhibits, and supporting documentation (e.g., business valuations, appraisals, environmental reports) as applicable under SBA guidelines.
• Maintain accurate and wellorganized electronic loan files consistent with internal bank procedures and SBA record retention requirements.

CrossFunctional Collaboration

• Partner with Loan Officers to obtain missing, inaccurate, or incomplete borrower information, clarifying SBA requirements as needed.
• Serve as a subjectmatter resource for SBA SOP interpretation, documentation standards, and operational requirements for internal stakeholders.
• Collaborate with closing and postclosing teams to ensure that disbursements align with approved use of proceeds, evidence of payment is adequately documented, etc.
• Follow-up with Commercial Documentation and Lending teams to resolve all document exceptions

Continuous Process Improvement

• Identify trends, recurring exceptions, or compliance risks within SBA loan approvals and recommend process improvements or training opportunities.
• Assist in preparation for SBA reviews, internal audits, and regulatory examinations by ensuring loan files meet SBA and bank standards.
• Stay current on SBA SOP updates, procedural notices, and program changes and apply those updates consistently in operational reviews.

Education, Certification, License and Experience:

• Bachelor's Degree
• Minimum 3 years SBA lending/operations experience
• Minimum 5 years of commercial banking experience
• Prior commercial credit and/or loan documentation experience preferred
• Capacity to manage multiple priorities and meet critical closing deadlines
• Excellent organization and time-management skills
• Strong penchant for details
• Ability to understand Bank policies and procedures
• Experience with Microsoft Office tools and aptitude adopting new technology
• Excellent interpersonal and communication skills