Loan Review Advisor

Overview

This role supports the U.S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by performing detailed reviews of SBA 7(a) and 504 loan files as part of lender oversight and risk management activities. Reviews assess compliance with SBA Loan Program Requirements defined in 13 CFR Part 120 and applicable SBA Standard Operating Procedures (SOPs).

Responsibilities

• Review 7(a) and 504 loan files across origination, servicing, liquidation, and targeted partial review scopes to assess compliance with SBA Loan Program Requirements and applicable SOPs.
• Analyze loan documentation, identify compliance issues or deficiencies, and document findings in structured work papers and loan file review reports.
• Inventory and analyze loan files, extract and evaluate data from SBA data systems and lender-provided documentation.
• Identify correctable and uncorrectable exceptions.
• Work directly with SBA Lenders, under SBA direction, to clarify documentation and resolve preliminary deficiencies when possible.
• Prepare clear, well-supported written summaries and draft and final loan file review reports outlining: condition, criteria, cause, effect, and corrective action for identified issues.
• Use a secure, web-based virtual data warehouse and workflow tracking system to manage file reviews, maintain work papers, and support status reporting.
• Adhere to strict quality, timeliness, documentation, and data security standards, including the protection of Personally Identifiable Information (PII) and confidential business information.
• Support onsite or remote reviews as needed.
• Participate in quality assurance activities.
• Contribute to weekly, monthly, or ad hoc reporting provided to SBA.

Requirements

• U.S. Citizenship and ability to obtain and maintain a federal Public Trust.
• Bachelor’s degree and a minimum of four (4) years of recent experience working with SBA 7(a) and/or 504 loans (e.g., as a third-party reviewer, examiner, auditor, underwriter, loan closer, or liquidation specialist).
  • Relevant experience may be substituted for formal education or advanced degree.
• Demonstrated experience reviewing loan files for compliance, risk, and adherence to regulatory and program requirements.
• Working knowledge of SBA Loan Program Requirements, including 13 CFR Parts 103 and 120 and SBA SOPs related to origination, servicing, liquidation, and lender oversight.
• Strong analytical skills to identify, document, and clearly explain loan file deficiencies and risks.
• Experience preparing detailed work papers, loan file review reports, and written summaries that support defensible conclusions.
• Ability to communicate effectively with SBA personnel and SBA Lenders, including explaining compliance issues and requirements.
• Strong attention to detail and organization, with the ability to manage multiple file reviews simultaneously while meeting delivery timelines.
• Proficiency with document management systems, workflow tracking tools, and standard Microsoft Office applications (Excel, Word, PowerPoint).

Preferred Qualifications

• Direct experience supporting SBA Office of Credit Risk Management (OCRM) oversight activities, including risk-based reviews, examinations, audits, or increased supervision.
• Experience performing servicing or liquidation reviews, including eligibility and disbursement testing.
• Familiarity with quality assurance reviews, forensic reviews, or reviews related to fraud, waste, and abuse.
• Experience working with virtual data warehouses, customer relationship management (CRM) systems, or management workflow systems (MWS).
• Experience supporting federal financial regulatory or oversight programs beyond SBA.
• Willingness and ability to support limited on-site reviews at SBA headquarters, SBA field offices, or SBA Lender locations, as required.
• Ability to review loan files containing documentation in Spanish.

Compensation & Benefits

• Annual salary range: $85,000.00-$141,000.00.
• Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs.
• Benefits include:
  • Medical, Rx, Dental & Vision Insurance
  • Personal and Family Sick Time & Company Paid Holidays
  • Position may be eligible for a discretionary variable incentive bonus
  • Parental Leave
  • 401(k) Retirement Plan
  • Basic Life & Supplemental Life
  • Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts
  • Short-Term & Long-Term Disability
  • Tuition Reimbursement, Personal Development & Learning Opportunities
  • Skills Development & Certifications
  • Employee Referral Program
  • Corporate Sponsored Events & Community Outreach
  • Emergency Back-Up Childcare Program

Location

• Travel required: Up to 10%
• Clearance required: Active Public Trust