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 SBA‑required 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 third‑party reports, exhibits, and supporting documentation (e.g., business valuations, appraisals, environmental reports) as applicable under SBA guidelines.


* Maintain accurate and well‑organized electronic loan files consistent with internal bank procedures and SBA record retention requirements.

Cross‑Functional Collaboration


* Partner with Loan Officers to obtain missing, inaccurate, or incomplete borrower information, clarifying SBA requirements as needed.


* Serve as a subject‑matter resource for SBA SOP interpretation, documentation standards, and operational requirements for internal stakeholders.


* Collaborate with closing and post‑closing 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, ...