Merchants & Marine Bank
Overview
This is a remote position; candidate must be based in the Southeastern United States. Voyager Lending, a division of Merchants & Marine Bank, partners with small businesses by offering government-guaranteed lending solutions. We are deeply committed to helping communities sustain and grow, delivering knowledgeable and personalized service for a seamless experience. Job Purpose The SBA Credit Manager is responsible for overseeing the underwriting and credit analysis of SBA (Small Business Administration) loan applications in accordance with internal credit policies and SBA Standard Operating Procedures (SOP). This role ensures the accurate assessment of credit risk, proper structuring of loans, and preparation of compliant credit memos to support sound lending decisions. The SBA Credit Manager plays a key leadership role in guiding credit underwriters, collaborating with sales and operations teams, and maintaining loan portfolio quality. Duties And Responsibilities
Maintain a comprehensive knowledge of the SBA and USDA lending programs, their respective Standard Operating Procedures, and other government guaranty programs as deemed necessary. Prepare financial spreads, projections, cash flow worksheets and risk rating matrixes. Analyze financial statement trends appropriate to the type of borrower and/or guarantor along with management, industry and market risk in order to fully vet the risk in the credit. Analyze proposed structure of credit for credit risk, SBA eligibility and compliance. Work closely with Relationship Managers and directly with Borrowers throughout underwriting, working in both advisory and supportive capacities as appropriate. Articulate the key financial trends, borrower, guarantor, and global cash flows along with the key non-financial risks of the credit request to meet the Bank’s and government program requirements; must be able to present this information in a well-organized narrative credit analysis with little to no guidance necessary. Manage loan workflow if LSP is utilized in the underwriting of loans. Has skill set to recognize the depth of underwriting required for the complexity and/or type of request. Ability to complete an eligibility review and sign off on government guaranteed credits. Assist draft and complete responses to Screen-Outs. Maintain risk rating and ongoing monitoring as needed to successfully manage ongoing credit and operational risk going forward. Serve as a resource in terms of answering questions and/or a general sounding board on the SBA and USDA lending programs as needed. Complete Annual Reviews and Servicing Actions per Bank and SBA/USDA policies and procedures, reassess risk grades, and perform ongoing monitoring. Maintain confidentiality and security of sensitive information. Perform other such duties as assigned to role. Qualifications
Preferred bachelor’s degree in accounting, finance, business, or equivalent experience. 3+ years’ experience in SBA Loan Underwriting and 5+ years in Banking. Experience in commercial loan documentation and portfolio management is highly desired. Excellent understanding of consumer and commercial loan products, functions, policies, and procedures, as well as documentation required by bank policy, state, and federal regulations. Excellent understanding of core systems and other software used by the department or comparable technology solutions. Excellent communication and presentation skills with strong interpersonal and organizational skills. Promote a positive and cohesive environment across all units within credit and partner teams. Must possess strong customer service aptitude with the ability to resolve problems and escalated issues. Excellent organizational, time management and analytical skills; ability to learn new technology, embrace change and lead others to adapt to new and efficient processes. Excellent interpersonal, written, and oral communication skills; ability to communicate with bank personnel of all levels, bank clients, auditors, and outside vendors, including the ability to influence and lead a diverse group of teammates. Experience with training and motivating others, including coaching, knowledge share, mentoring, delegation, and apprenticing. Excellent computer skills relevant to Microsoft Office Suites (i.e. Word, Excel, Outlook). Working Conditions
Forty (40) hours per week, Monday through Friday. Overtime or extended hours occasionally. Remote position with occasional travel for offsite meetings, conferences, or events. The employee frequently exchanges information with others and must be able to do so in an effective manner; clear verbal and written communication across a variety of audiences is essential. Offsite training or conferences may be necessary, with the possibility of overnight travel. This position will be remote but will require occasional attendance at meetings and events at the home office or other locations.
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This is a remote position; candidate must be based in the Southeastern United States. Voyager Lending, a division of Merchants & Marine Bank, partners with small businesses by offering government-guaranteed lending solutions. We are deeply committed to helping communities sustain and grow, delivering knowledgeable and personalized service for a seamless experience. Job Purpose The SBA Credit Manager is responsible for overseeing the underwriting and credit analysis of SBA (Small Business Administration) loan applications in accordance with internal credit policies and SBA Standard Operating Procedures (SOP). This role ensures the accurate assessment of credit risk, proper structuring of loans, and preparation of compliant credit memos to support sound lending decisions. The SBA Credit Manager plays a key leadership role in guiding credit underwriters, collaborating with sales and operations teams, and maintaining loan portfolio quality. Duties And Responsibilities
Maintain a comprehensive knowledge of the SBA and USDA lending programs, their respective Standard Operating Procedures, and other government guaranty programs as deemed necessary. Prepare financial spreads, projections, cash flow worksheets and risk rating matrixes. Analyze financial statement trends appropriate to the type of borrower and/or guarantor along with management, industry and market risk in order to fully vet the risk in the credit. Analyze proposed structure of credit for credit risk, SBA eligibility and compliance. Work closely with Relationship Managers and directly with Borrowers throughout underwriting, working in both advisory and supportive capacities as appropriate. Articulate the key financial trends, borrower, guarantor, and global cash flows along with the key non-financial risks of the credit request to meet the Bank’s and government program requirements; must be able to present this information in a well-organized narrative credit analysis with little to no guidance necessary. Manage loan workflow if LSP is utilized in the underwriting of loans. Has skill set to recognize the depth of underwriting required for the complexity and/or type of request. Ability to complete an eligibility review and sign off on government guaranteed credits. Assist draft and complete responses to Screen-Outs. Maintain risk rating and ongoing monitoring as needed to successfully manage ongoing credit and operational risk going forward. Serve as a resource in terms of answering questions and/or a general sounding board on the SBA and USDA lending programs as needed. Complete Annual Reviews and Servicing Actions per Bank and SBA/USDA policies and procedures, reassess risk grades, and perform ongoing monitoring. Maintain confidentiality and security of sensitive information. Perform other such duties as assigned to role. Qualifications
Preferred bachelor’s degree in accounting, finance, business, or equivalent experience. 3+ years’ experience in SBA Loan Underwriting and 5+ years in Banking. Experience in commercial loan documentation and portfolio management is highly desired. Excellent understanding of consumer and commercial loan products, functions, policies, and procedures, as well as documentation required by bank policy, state, and federal regulations. Excellent understanding of core systems and other software used by the department or comparable technology solutions. Excellent communication and presentation skills with strong interpersonal and organizational skills. Promote a positive and cohesive environment across all units within credit and partner teams. Must possess strong customer service aptitude with the ability to resolve problems and escalated issues. Excellent organizational, time management and analytical skills; ability to learn new technology, embrace change and lead others to adapt to new and efficient processes. Excellent interpersonal, written, and oral communication skills; ability to communicate with bank personnel of all levels, bank clients, auditors, and outside vendors, including the ability to influence and lead a diverse group of teammates. Experience with training and motivating others, including coaching, knowledge share, mentoring, delegation, and apprenticing. Excellent computer skills relevant to Microsoft Office Suites (i.e. Word, Excel, Outlook). Working Conditions
Forty (40) hours per week, Monday through Friday. Overtime or extended hours occasionally. Remote position with occasional travel for offsite meetings, conferences, or events. The employee frequently exchanges information with others and must be able to do so in an effective manner; clear verbal and written communication across a variety of audiences is essential. Offsite training or conferences may be necessary, with the possibility of overnight travel. This position will be remote but will require occasional attendance at meetings and events at the home office or other locations.
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