SBA Portfolio & Credit Manager Midvale, UT

ZiFiis a digital banking platform within Zions Bancorporation focused onsimple compliant SBA lending for small businesses. We are building our SBAsmall loanprogramintentionallystartingsmall moving thoughtfully and scaling with strong credit discipline and modern processes.

Werelooking for an experiencedSBA Portfolio & Credit Managerwho is excited tobuild own and evolvean SBA lending program. This role combineshands-onSBA underwritingprogram administration andteam leadership.Youllmanage one team member initially and help grow a smallhigh impactteam as the portfolio expands.

This role is ideal for someone who enjoysclarity of ownership working closely with partners across credit risk operations and technology and shaping how SBA lending works in adigital firstenvironment.

WhatYoullBe Responsible For

SBA Credit & Underwriting

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

• Serve as a trusted point ofexpertisefor SBA credit decisions and complex eligibility questions

• Balance sound credit judgment with a streamlined borrower experience

SBA Program Ownership

• Act asZiFisSBA 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

• Supportproblemloanand collection efforts in coordination with enterprise partners

Process & Platform Development

• Help design document and improveend-to-endSBA 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

• Providehands-onguidance 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 andsafetyandsoundnessstandards

WhatWereLooking For

Required

• 6 years of experience inSBA lending business banking credit or portfolio management

• Bachelors degree in business finance accounting or related field

• Strong working knowledge ofSBA 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

• Comfortoperatingin a developing orgrowthorientedprogram environment

Skills & Attributes

• Strong credit judgment and risk awareness

• Practicalsolutionsorientedapproach 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

WhyZiFi

• Help shape an SBA lending programfrom theearly stages

• Influence how credit compliance and portfolio management scale over time

• Work in adigitalfirstenvironment 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 employmentin order tomaintainemployment eligibility.

Work Location:

This position is fully in office (5 days a week) at the Zions Technology Center - 7860 South Bingham Junction Blvd Midvale UT 84047

The Zions Technology Center is a 400000-square-foot technology campus in Midvale Utah. Located on the former Sharon Steel Mill superfund site the sustainably built campus is the companys 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 shareablebikesand 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 companys discretion be eligible to receive a cash bonus award