Government Guaranteed Lending Loan Operations Specialist

The Government Guaranteed
Lending Loan Operations Specialist is responsible for operations, and
compliance functions for SBA, and USDA loan guaranteed lending programs. This
role ensures efficient and accurate funding, servicing, and reporting of these
loan types. The ideal candidate is a detail-oriented leader with deep expertise
in government-guaranteed lending programs, risk management, and regulatory exam
readiness.

Compliance & Regulatory
Management

Responsibilities:

• Ensure full compliance with current SBA SOP, USDA program requirements, FDIC regulations, and State Chartered Bank policies.
• Assist in maintaining audit readiness files for SBA, USDA, FDIC, and internal reviews, preparing and presenting supporting documentation.
• Assist with the SBA 1502 remittances and USDA reporting, ensuring accuracy and timeliness.

Loan Operations Oversight

Responsibilities:

• Assist
  in loan bookings and on boarding, assist with all post-closing operational
  functions for SBA and USDA loans including reviewing loan documentation,
  payment of guarantee fees, post-closing E-Tran review, USDA system
  transactions, funding of payments and participations, and keying loan
  modifications when necessary
• Add
  and review new loans to the bank's core system.
• Ensure
  loan grades are accurately recorded and maintained.
• Coordinate
  with underwriting, loan officers, portfolio managers, attorneys, and title
  companies to ensure accurate and timely servicing of the loan portfolio
  including lien perfection
• Verification
  of all collateral documentation in file, obtaining necessary collateral
  information not in file.
• Processing
  payments and payoffs.
• Assist
  in the loan selling process including recording

Portfolio Re-Amortization
Management

Responsibilities:

* Assist with the re-amortization of SBA
loan portfolio to ensure correct recalculations of payments, interest
schedules, and compliance with SBA servicing requirements.

* Implement consistent re-amortization
procedures for modifications, deferments, and restructuring requests.

* Collaborate with credit and finance teams
to ensure all adjustments are documented and auditable.

Leadership & Team Development

Responsibilities:

* Communicates effectively with bank
department managers/officers to ensure smooth workflow and positive working
relationships.

* Stays abreast of system requirements,
updates, and opportunities.

* Foster a high-performance culture centered
on compliance, efficiency, and client satisfaction to provide high quality
customer service to the borrowers and internal clients.

Reporting & Data Management

Responsibilities:

* Follow up on recorded documents with the
closing attorney

* Track and monitor collateral perfection,
collateral substitution, compliance matters, loan renewals, extensions and
modifications with the borrower and attorney.

* Maintain clean, exam-ready loan
documentation and data integrity across SBA and USDA systems.

Process Optimization

Responsibilities:

* Drive process automation, technology
enhancements, and operational improvements for SBA and USDA programs.

* Standardize workflows for guaranteed
lending operations to increase scalability and reduce risk.

* Stays abreast of system requirements,
updates, and opportunities.

Customer & Partner Service

Responsibilities:

* Ensure fast resolution of escalated loan
issues while maintaining exceptional service standards.

* Bachelor's degree
in finance, business, or related field preferred.

* 8+ years
operations experience, with supervisory or leadership responsibilities.

* Understanding of
SBA SOPs, USDA B&I regulations, FDIC guidelines, and State Chartered Bank
practices.

* Proficiency in
E-Tran, USDA OneRD, loan servicing systems, and Microsoft Office Suite.

Physical Requirements:

Ability to sit for extended
periods and use a computer.

Occasional lifting of files or office materials (up to 20 lbs).