SBA Portfolio & Credit Manager - Midvale, UT
Zions Bancorporation, Midvale, Utah, United States, 84047
ZiFi is a digital banking platform within Zions Bancorporation focused on building a digital SBA loan program .
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 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
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
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
Hands‑on 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 orgrowth 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 to maintain employment 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 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.
At least 75% of the building is powered by on‑site renewable solar energy.
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 the use of low VOC‑emitting construction materials.
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
This position will be open until filled.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at
careers@zionsbancorp.com
or
801/844-7618 . Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view applicable Federal, State and/or local employment law posters.
Create and manage profiles for future opportunities.
Zions Bank a division of Zions Bancorporation, N.A. Member FDIC
#J-18808-Ljbffr
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 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
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
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
Hands‑on 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 orgrowth 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 to maintain employment 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 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.
At least 75% of the building is powered by on‑site renewable solar energy.
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 the use of low VOC‑emitting construction materials.
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
This position will be open until filled.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at
careers@zionsbancorp.com
or
801/844-7618 . Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view applicable Federal, State and/or local employment law posters.
Create and manage profiles for future opportunities.
Zions Bank a division of Zions Bancorporation, N.A. Member FDIC
#J-18808-Ljbffr