SBA Sr. Portfolio Manager

OH0713 NW Bancshares HQJob DescriptionA senior credit leader for the SBA portfolio, responsible for complex underwriting and portfolio management across 7(a) and related SBA products. Serves as a subject matter expert (SME) on SBA eligibility, structure, and servicing; leads risk governance and trains/mentors the team. Partners closely with Relationship Managers (RMs), Credit Risk, Legal, and Special Assets to deliver strong customer outcomes while protecting the SBA guaranty.Essential Functions* Advanced portfolio oversight: Owns monitoring cadence for a complex book, including covenant tracking, annual reviews, criticized asset reviews, early‐warning indicators, and risk‐rating validation; ensures policy/SOP alignment and timely remediation* SBA expert underwriting & approvals: Structures, underwrites, and recommends/approves complex small‐business credit actions (e.g., business acquisitions, partner buyouts, real estate with EPC/OC structures, CAPLines, partial changes of ownership) consistent with SBA SOP and bank policy; prepares executive‐ready credit memos* Regulatory & guaranty integrity: Ensures accurate and timely SBA communications and monthly reporting (e.g., 1502); drives file quality and documentation readiness pre‐exam/audit; leads guaranty‐risk mitigation to prevent repairs/denials* Servicing leadership: Designs risk strategies for complex actions (mods, deferments, liquidations, Purchase Demand Packages, Offers in Compromise, reinstatements, charge‐off requests) in partnership with Legal/Special Assets* Data‐driven insights: Documents and tracks key risk indicators; produces portfolio analytics (trend, sensitivity, PD/LGD, collateral coverage) to inform strategy and capital allocation* Cross‐functional liaison & governance: Leads credit discussions; coordinates with RMs, Underwriting, Operations, and Credit Risk so approvals are obtained and recorded accurately in systems of record* Coaching & standards: Mentors PM I & II; improves loan policy/procedures, playbooks, and training content; champions a customer‐centric, compliance‐first culture* Ensure compliance with Northwest's policies and procedures, and Federal/State regulations* Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency* Work as part of a team* Work with on-site equipmentEducation and Experience* Associate's degree in finance, accounting, economics, or related degree preferred* 8-12 years of SBA/Commercial credit with deep SBA SOP knowledge; proven success managing moderate to high complexity portfolios preferredNorthwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.