SBCP Portfolio Manager - Remote in TX, AR, MO, OK, or MS

CURRENT EMPLOYEES: Please apply via the intertnal career site by logging into your ADP Account and apply under: Myself > Talent > Career Center.

Who We Are:

Southern Bancorp Community Partners is a different kind of lender. As a non-profit Community Development Financial Institution (CDFI), a special certification designated for institutions that serve predominantly underserved communities, Southern Bancorp Community Partners combines lending with financial development tools and public policy advocacy to help families and communities grow stronger. Inspired by the principle that building net worth drives economic opportunity, our mission is to be wealth builders for everyone in the communities we serve, with a focus on low-wealth, underserved and un(der)banked populations.

The Portfolio Manager is responsible for the ongoing management, monitoring, and performance of an active portfolio of loans. This role ensures borrowers remain successful throughout the life of the loan, provides early intervention when portfolio risks arise, and supports the organization's financial sustainability and mission.

Location: This job is a remote position in AR, MS, MO, OK or TX.

Key Responsibilities

• Manage a portfolio of active loans, ensuring timely payments, covenant compliance, and ongoing borrower health.
• Conduct regular portfolio reviews, analyze financial and operational performance, and identify early warning signs.
• Maintain updated borrower records, financial statements, collateral documentation, and internal system data.
• Prepare periodic portfolio reporting and risk summaries for leadership and committee review.
• Serve as the primary point of contact for assigned borrowers, providing guidance, technical support, and relationship management.
• Maintain strong communication and positive working relationships to support borrower success.
• Coordinate with business development and underwriting teams to ensure smooth transitions from loan approval to servicing.
• Manage the collections process for delinquent accounts, including borrower outreach, negotiation of payment plans, and follow-up contact.
• Recommend and support workout strategies, modifications, or escalation actions when needed.
• Track delinquency, non-performance, watchlist loans, and default trends within the portfolio.
• Ensure servicing documentation meets internal policies, regulatory standards, and investor or grantor requirements.
• Support annual reviews and reporting needed for audits, funder reports, and compliance tracking.
• Participate in continuous improvement of servicing and risk management procedures.
• Work closely with underwriting to share insights from borrower performance and inform future credit decisions.
• Partner with outreach and technical assistance teams to connect borrowers with needed resources.
• Provide feedback to leadership on portfolio trends, operational challenges, and systemic borrower needs.

Requirements

• Bachelor's degree in business, finance, economics, public administration, nonprofit management, or related field; or equivalent experience.
• 3-5 years of experience in lending, portfolio management, loan servicing, credit risk, or collections.
• Demonstrated experience managing delinquent accounts, payment plans, or borrower remediation strategies.
• Strong analytical skills with the ability to interpret financial statements and performance trends.
• Excellent communication skills, both written and verbal.
• High attention to detail, accuracy, and documentation quality.
• Commitment to equitable access to financial opportunity and community-focused lending.
• Experience working for a nonprofit lender, CDFI, community-based lender, or mission-driven financial organization.
• Familiarity with small business or nonprofit financial models.
• Knowledge of loan management systems, CRM tools, and portfolio reporting platforms.
• Professional judgment and discretion with sensitive borrower information
• Strong client service orientation
• Problem-solving and conflict resolution
• Time and task management
• Team-oriented mindset and willingness to collaborate across departments

Physical Demand & Work Environment: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

What we offer our employees:

A positive impact on Your Future:

• 401(k)/Roth plan with immediate eligibility and employer match up to 6%
• Discounted rate on primary home mortgage
• Credit and housing counseling as well as free financial education tools available to customers and employees

Benefits to improve your health:

• No deductible medical insurance plan
• Dental and vision insurance
• Employer paid life and long-term disability insurance
• Flexible Spending Accounts

The opportunity to nurture your well-being:

• Paid holidays and paid time off
• Bonus plan
• Opportunity for merit raises
• Employee reward and recognition programs
• Community service opportunities

Southern Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

As a Community Development Financial Institution, Southern Bancorp desires its workforce to reflect the diversity of the customers and communities that we serve. Racial and ethnic minorities, people from working class backgrounds, women and LGBTQ people are often underrepresented in many financial service industry professions. Therefore, we strongly encourage applications from people with these identities or who are members of other marginalized communities.