SBA Loan Policy Development

Successful SBA lenders have effective written policies to guide their staff on the goals of the organization. Internal and external oversight authorities, including SBA, place a high premium on well established policies. With many years of banking and SBA experience, the principals of sbaAccess ably assist lenders with the development and implementation of quality loan policies. We help assure the proper coordination between all the stakeholders and we advocate for a sustainable, competitive approach to SBA lending.

SBA Policy – Elements (the “what” and the “why”)

SBA Portfolio Management

Policy Statement
Program Eligibility Requirements
Types of SBA Loan Programs and Lender Status
Minimum and Maximum Loan Amounts

Underwriting Standards

Loan Pricing and Maximum Maturities
Maximum Loan-to-Value Ratios
Loan Authority
Personal Guarantee Requirements

Loan Administration

Documentation Requirements
Distribution of Loans by Category
Loan Modifications
Collections and Charge-Offs

SBA Loan Procedures Development

Loan procedures establish the “road map” to successfully fulfill the loan policy goals, by outlining specific steps, forms, and timing for individuals responsible for the SBA loan product offering (the actual processing system). These procedures are detailed workflow guidelines that build discipline, consistency and quality through every step of the process.

SBA Loan Procedures (the “who, what, how, and when”)

Who does what? (creation of processing system)

Developing roles and job descriptions (who is responsible for what?)
Define lender authority and decision trees (checks and balances)
Define process from application to payoff (or guaranty purchase)

How do they do it? (creation of work tools)

Development of specialized “how to” work tools to assist in the documentation of all processing and servicing steps - development of specialized forms, such as servicing procedures for loan modifications and servicing actions

When do they do it?