Government Guaranteed Lending Operations Manager
Position Summary
The Government Guaranteed Lending Operations Manager is a supervisory position responsible for leading the operations, and compliance functions for SBA, and USDA loan guaranteed lending programs. This role ensures efficient and accurate processing, 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.
Essential Duties and Responsibilities (Other duties may be assigned.)
· Compliance & Regulatory Management
o Ensure full compliance with current SBA SOP, USDA program requirements, FDIC regulations, and State Chartered Bank policies.
o Maintain audit readiness for SBA, USDA, FDIC, and internal reviews, preparing and presenting supporting documentation.
o Oversee SBA 1502 remittances and USDA reporting, ensuring accuracy and timeliness.
· Loan Operations Oversight
o Manage loan bookings and onboarding, all post-closing operational functions for SBA and USDA loans including reviewing loan documentation, payment of guaranteed fees, post-closing E-Tran review and submissions, USDA OneRD system transactions, funding, servicing ticklers, and keying loan modifications.
o Adds new loans to the bank’s core system.
o Ensure loan grades are accurately recorded and maintained.
o Coordinate with underwriting, loan officers, portfolio managers, attorneys, and title companies to ensure accurate and timely servicing of the loan portfolio including lien perfection.
o Verification of all collateral documentation in file, obtaining necessary collateral information not in file.
o Verification of lending limit authority or committee approval.
o Processing payments and payoffs.
o Implement strong internal controls for insurance tracking and collateral monitoring.
o Assist in the loan selling process including recording.
· Portfolio Re-Amortization Management
o Oversee the re-amortization of SBA loan portfolio to ensure correct regulations of payments, interest schedules, and compliance with SBA servicing requirements.
o Implement consistent re-amortization procedures for modifications, deferments, and restructuring requests.
o Collaborate with credit and finance teams to ensure all adjustments are documented and auditable. · Leadership & Team Development
o Communicates effectively with bank department managers/officers to ensure smooth workflow and positive working relationships.
o Lead, coach, and mentor operations staff; implement cross-training programs to ensure full coverage across SBA and USDA functions.
o Stays abreast of system requirements, updates, and opportunities.
· Reporting & Data Management
o Follow up on recorded documents with the closing attorney.
o Track and monitor collateral perfection, collateral substitution, compliance matters, loan renewals, extensions and modifications with the borrower and attorney.
o Deliver accurate, actionable weekly and monthly closed loan pipeline, performance, and compliance reports to senior management.
o Maintain clean, exam-ready loan documentation and data integrity across SBA and USDA systems.
· Process Optimization
o Drive process automation, technology enhancements, and operational improvements for SBA and USDA programs.
o Standardize workflows for guaranteed lending operations to increase scalability and reduce risk.
o Stays abreast of system requirements, updates, and opportunities.
· Customer & Partner Service
o Serve as a subject-matter expert for SBA and USDA lending, supporting internal teams and providing guidance to borrowers and partners.
o Ensure fast resolution of escalated loan issues while maintaining exceptional service standards.
Qualifications
· Bachelor's degree in finance, business, or related field preferred.
· 8 plus years of SBA or USDA guaranteed lending operations experience, with supervisory or leadership responsibilities.
· Deep 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 One Suite.
· Exceptional leadership, risk management, and process improvement skills.