Position Summary
The Government Guaranteed Lending Loan Operations Specialist is responsible for operations, and compliance functions for SBA, and USDA loan guaranteed lending programs. This role ensures efficient and accurate funding, servicing, and reporting of these loan types. The ideal candidate is a detail-oriented leader with deep expertise in government-guaranteed lending programs, risk management, and regulatory exam readiness.
Essential Duties and Responsibilities (Other duties may be assigned.)
Compliance & Regulatory Management
Responsibilities:
Loan Operations Oversight
Responsibilities:
Portfolio Re-Amortization Management
Responsibilities:
· Assist with the re-amortization of SBA loan portfolio to ensure correct recalculations of payments, interest schedules, and compliance with SBA servicing requirements.
· Implement consistent re-amortization procedures for modifications, deferments, and restructuring requests.
· Collaborate with credit and finance teams to ensure all adjustments are documented and auditable.
Leadership & Team Development
Responsibilities:
· Communicates effectively with bank department managers/officers to ensure smooth workflow and positive working relationships.
· Stays abreast of system requirements, updates, and opportunities.
· Foster a high-performance culture centered on compliance, efficiency, and client satisfaction to provide high quality customer service to the borrowers and internal clients.
Reporting & Data Management
Responsibilities:
· Follow up on recorded documents with the closing attorney
· Track and monitor collateral perfection, collateral substitution, compliance matters, loan renewals, extensions and modifications with the borrower and attorney.
· Maintain clean, exam-ready loan documentation and data integrity across SBA and USDA systems.
Process Optimization
Responsibilities:
· Drive process automation, technology enhancements, and operational improvements for SBA and USDA programs.
· Standardize workflows for guaranteed lending operations to increase scalability and reduce risk.
· Stays abreast of system requirements, updates, and opportunities.
Customer & Partner Service
Responsibilities:
· Ensure fast resolution of escalated loan issues while maintaining exceptional service standards.
Qualifications
· Bachelor’s degree in finance, business, or related field preferred.
· 8+ years operations experience, with supervisory or leadership responsibilities.
· Understanding of SBA SOPs, USDA B&I regulations, FDIC guidelines, and State Chartered Bank practices.
· Proficiency in E-Tran, USDA OneRD, loan servicing systems, and Microsoft Office Suite.
Physical Requirements:
Ability to sit for extended periods and use a computer.
Occasional lifting of files or office materials (up to 20 lbs).
1st Community Bank opened its doors in Alice on February 7, 1983 under the name of First National Bank. In 1990, the Bank purchased La Hacienda Savings and Loan which had two branches, one in San Antonio and one in Corpus Christi. The San Antonio office was closed and the Corpus Christi office remained open under the name of First National Bank. In February 1990, the Bank was re-named 1st Community Bank, N.A. In 1995 a branch in Benavides, Texas was opened. Our Mortgage Division opened in 1996 and then yet another branch, which is located on Water Street in Downtown Corpus Christi, was added in 1998. 1st Community opened its 5th location in Kingsville in June 2000. In April of 2004, the decision was made to close the bank in Benavides and in June of 2004 a new bank was opened in Portland. The Alameda branch, the 7th location, was opened March 2007. The Island branch, the 8th location, was opened February 2008. In March 2014 the bank expanded into the Victoria, TX market. The Bank has seen continuous growth over the years, starting out at $32 million in assets in 1993 up to current $346 million today. The driving force behind 1st Community Bank’s success is the pride it takes in its employees. In November 1999 the Bank adopted an Employee Stock Ownership Plan, which means that the employees are actually buying stock in the Bank. With 78% eligible employee participation in the ESOP, customers can bank on the fact that the employees, who are now owners, will go that extra mile and that our customer’s needs are our 1st concern. Employee ownership is the driving force behind exceptional customer service and loyalty. We believe employee owned and operated is what sets us apart from the rest and gives a cutting edge in the banking industry. In June 2002, we converted from a National Bank to a State Charter. We have found that the Texas Department of Banking is uniquely designed to support our type of bank and our customers. Our motto is and will remain to be... We Make Banking Easy!