SBA Portfolio - Midvale, Utah, United States

ZiFi is a digital banking platform within Zions Bancorporation focused on simple, compliant SBA lending for small businesses. We are building our SBA small loan program intentionally—starting small, moving thoughtfully, and scaling with strong credit discipline and modern process ...

Job description

ZiFi is a digital banking platform within Zions Bancorporation focused on simple, compliant SBA lending for small businesses. We are building our SBA small loan program intentionally—starting small, moving thoughtfully, and scaling with strong credit discipline and modern processes. 

We're looking for an experienced SBA Portfolio & Credit Manager who is excited to build, own, and evolve an SBA lending program. This role combines hands-on SBA underwriting, program administration, and team leadership. You'll manage one team member initially and help grow a small, high impact team as the portfolio expands. 

This role is ideal for someone who enjoys clarity of ownership, working closely with partners across credit, risk, operations, and technology, and shaping how SBA lending works in a digital first environment. 

What You'll Be Responsible For 

SBA Credit & Underwriting 

• Underwrite and approve SBA 7(a) small business loans, ensuring strong repayment analysis, eligibility, and credit structure 

• Serve as a trusted point of expertise for SBA credit decisions and complex eligibility questions 

• Balance sound credit judgment with a streamlined borrower experience 

SBA Program Ownership 

• Act as ZiFi's SBA program administrator, owning adherence to SBA SOPs, procedural notices, and program guidance 

• Monitor SBA policy changes and translate them into clear, practical processes 

• Partner with enterprise SBA, risk, and compliance teams to support delegated authority and program governance 

Portfolio Management & Monitoring 

• Build and oversee portfolio monitoring practices, including:  

  • Risk grading and credit quality reviews 

  • Financial statement and covenant tracking 

  • Early risk identification and remediation planning 

• Support problem loan and collection efforts in coordination with enterprise partners 

Process & Platform Development 

• Help design, document, and improve end-to-end SBA credit and portfolio processes 

• Partner with operations and technology teams to implement scalable tools, workflows, and reporting 

• Continuously refine processes as loan volume grows and program needs evolve 

Team Leadership 

• Directly manage and coach one team member initially, with responsibility to grow the team over time 

• Provide hands-on guidance, training, and development in SBA underwriting and portfolio management 

• Foster a culture of accountability, learning, and sound risk management 

Risk, Audit & Enterprise Collaboration 

• Partner closely with enterprise credit, operations, finance, risk, and audit teams 

• Support RCSA activities, audits, and regulatory reviews 

• Ensure consistent adherence to policies, procedures, and safety and soundness standards 

What We're Looking For 

Required 

• 6+ years of experience in SBA lending, business banking credit, or portfolio management 

• Bachelor's degree in business, finance, accounting, or related field 

• Strong working knowledge of SBA 7(a) SOPs and eligibility requirements 

• Handson experience underwriting small business loans 

• Prior people management or lead experience 

Preferred 

• Experience serving as an SBA administrator, SBA SME, or similar oversight role 

• Experience building or enhancing credit, portfolio, or compliance processes 

• Comfort operating in a developing or growth oriented program environment 

Skills & Attributes 

• Strong credit judgment and risk awareness 

• Practical, solutions oriented approach to compliance 

• Clear communicator who can translate SBA guidance into action 

• Organized, adaptable, and comfortable balancing structure with flexibility 

• Collaborative mindset and ability to work across teams 

Why ZiFi 

• Help shape an SBA lending program from the early stages 

• Influence how credit, compliance, and portfolio management scale over time 

• Work in a digital first environment with enterprise support 

• Make a direct impact on small businesses and how they access capital 

Apply today and help us empower small businesses to thrive 

Visa Sponsorship 
This SBA Portfolio & Credit Manager (Business Banking Portfolio Management Manager) position is not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility. 

Work Location: 

This position is fully in office (5 days a week) at the Zions Technology Center South Bingham Junction Blvd, Midvale, UT 84047 

The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus is the company's primary technology and operations center. This modern and environmentally friendly technology center enables Zions to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as: 

• Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station. 

• Access to outdoor recreation, parks, trails, shareable bikes and locker rooms. 

• Large modern cafe with a healthy and diverse menu. 

• Healthy indoor environment with ample natural light and fresh air. 

• LEED-certified sustainable building that features include the use of low VOC-emitting construction materials. 

Benefits: 

• Medical, Dental and Vision Insurance - START DAY ONE 

• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance 

• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts 

• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays 

• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience 

• Mental health benefits including coaching and therapy sessions 

• Tuition Reimbursement for qualifying employees 

• Employee Ambassador preferred banking products 

• Employees may, at the company's discretion, be eligible to receive a cash bonus award