SBA Department Manager

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Job Type

Full-time

Description

Established in 1998 in Medford, Oregon, People's Bank of Commerce was formed to provide a community business bank for the southern Oregon area. Since its inception, People's Bank has been providing its customers with superior, responsive and flexible service with a friendly approach. Through conservative solid banking fundamentals and doing right by its customers, employees and community, People's Bank has earned the esteemed reputation as one of the top community banks in Oregon.

We strive to provide a better experience to our customers and a better career experience for our employees. We recognize that our employees are the messenger of our vision and values and are key to our success. We offer a competitive benefits package including salary commensurate with experience, 401k, 401K employer contribution, as well as health, dental, vision and life insurance coverage.

The SBA Department Manager is responsible for leading and overseeing the bank's SBA lending program. This role manages the development and maintenance of department policies and procedures, ensures compliance with SBA requirements, and guides the team through the full loan lifecycle from business development to sale on the secondary market. The position is accountable for department financial performance, including the annual budget and income statement.

Reports to: Chief Credit Officer Supervises: None at this time

Requirements

Specific duties and responsibilities:

• Provides excellent customer service to our clients and team members.
• Provides overall leadership and direction for the SBA 7(a) department, ensuring the team delivers high quality service to internal and external customers.
• Develops and updates department policies, procedures, and workflows to ensure compliance with SBA Standard Operating Procedures (SOPs) and bank policy.
• Manages the department budget and oversees the income statement, ensuring financial performance aligns with bank goals and production.
• Monitors pipeline activity, workflow efficiency, and turnaround times, making adjustments as needed to support member and borrower experience.
• Represents the bank professionally at community events, business associations, and SBA-related functions while participating in strategic planning to advance small-business outreach, growth, and service delivery.
• Oversees the underwriting and approval process for SBA 7(a) loans, ensuring credit quality, eligibility, and guaranty protection.
• Ensures proper documentation and compliance through closing and funding, coordinating with internal and external partners as needed.
• Oversees the sale of SBA guaranteed portions on the secondary market, including pricing, premium expectations, and settlement.
• Develops strategies to maximize income through secondary market activity while maintaining strong credit discipline.
• Ensures accurate and timely reporting to SBA, including all required 1502, servicing, and program related submissions.
• Ensures the SBA department operates in full compliance with SBA regulations, bank policies, and applicable federal and state laws.
• Prepares reports for senior management and the Board related to production, credit quality, exceptions, SBA compliance, and departmental performance.
• Provides coaching, training, and development opportunities to SBA staff, supporting individual growth and department capability.
• Promotes a team culture that aligns with the bank's mission, vision, and values.

Skills and abilities required:

• Strong knowledge of SBA lending programs, including underwriting, eligibility, servicing, and guaranty requirements.
• Proven ability to lead teams, manage workflows, and support a collaborative, service-oriented work environment.
• Effective business development and relationship building skills with internal and external stakeholders.
• Strong credit analysis and financial interpretation skills, with the ability to assess risk and structure sound loan solutions.
• Excellent communication, organizational, and leadership skills, with the ability to manage multiple responsibilities and meet deadlines.
• Proficiency in Microsoft Office applications and comfort with loan origination and workflow systems.
• Ability to represent the bank professionally and establish rapport with clients, staff, and community partners.
• Supports organizational goals and demonstrates alignment with bank values.

Education, training and experience:

• Bachelor's degree in business, Finance, Accounting, or related field preferred; alternatively, 1-3 years of SBA lending experience with leadership or management duties.
• Experience managing SBA loan production, credit processes, and secondary market transactions.
• Familiarity with compliance and regulatory standards related to SBA lending.

Working environment and conditions:

Physical Demands:

• Ability to lift and carry up to 30 pounds.
• Prolonged periods of sitting, with intermittent walking and standing.
• Frequent use of hands and fingers for typing, writing, and handling office equipment.

Environmental Conditions:

• A typical office environment with occasional exposure to noise, dust, or office-related odors.
• Potential exposure to risks associated with financial institutions, including but not limited to robbery, extortion, or other

Equipment and Tools:

• Personal computer and peripherals (keyboard, mouse, monitors).
• Multi-Line telephone system and voicemail.
• Copier, fax machine, and scanner.
• Calculator and other standard office tools.

Software and Technology:

• Microsoft Office Suite (Word, Excel, Outlook, PowerPoint).
• Banking software and customer management systems.
• Mobile devices, including company-provided cell phones, as needed.

This job description is intended to outline the general nature and level of work performed. It is not intended to be an exhaustive list of all duties, responsibilities, and qualifications required for the role.