The Office of Credit Risk Management conducts a continuous, risk based, off-site analysis of SBA's lending partners through the Loan/Lender Monitoring System. Lending partners may access their risk and portfolio performance information through the Lender Portal. In addition, the office performs strategic on-site reviews of lending partners' activities including the performance of their SBA lending operations and compliance with program rules and regulations. The Office of Credit Risk Management also assesses the quality of the overall SBA loan portfolio. Through this analysis trends are identified and analyzed. As a result of this trend analysis and assessment of other analytical risk indicators, the office is able to better understand lender and portfolio performance.
Oversight of lending and investment partners and analysis of SBA's loan and investment programs are some of the Agency's most important functions.
The office strives to help lending partners better understand how best to fulfill the requirements of the lending programs in a way that is mutually beneficial. Lending partners are crucial to the overall success of these programs and enable SBA executive management to make more informed decisions on program policy.