SBA 7(a) Servicing: Unilateral Authority and Documentation Under SBA’s Latest Matrix — Thurs, Dec 3

Coleman Professional Webinar Training
Thursday, December 3, 2026
2:00 p.m. Eastern
1:00 p.m. Central
11:00 am Pacific
Recording and e-certification provided

SBA lenders have broad authority to approve servicing actions without prior SBA approval. But the lender must show why the action was taken, how it was evaluated, and whether it complied with SBA requirements.

SBA’s Servicing and Liquidation Actions 7(a) Lender Matrix, Version 18, identifies which servicing decisions lenders can make unilaterally and which require prior SBA approval. Proper documentation remains the lender’s responsibility, even when no notification or approval is required.

Structuring deferments, modifying repayment terms, releasing guarantors and making collateral decisions require more than identifying the lender’s approval authority. Servicers must evaluate the business justification, document the decision and determine whether additional requirements apply, particularly when the guaranteed portion has been sold in the secondary market.

Lance Sexton, former Deputy Director of SBA’s Little Rock Commercial Loan Servicing Center, will examine how experienced servicing professionals handle these decisions in practice. Drawing on his experience in SBA servicing, portfolio management and liquidation, Lance will address the application of SOP 50 57 4 and the latest lender matrix.

What Lance Will Cover

• Documenting unilateral servicing actions: Establishing the business justification, supporting the decision and maintaining a defensible servicing file for SBA review.
• Structuring loan deferments: Determining deferment periods, handling accrued interest, structuring consecutive deferments and evaluating the borrower’s ability to resume payments.
• Deferments versus maturity extensions: When to extend maturity, reamortize payments or modify repayment terms, including applicable SBA requirements.
• Secondary market investor consent: Requirements for payment modifications, interest-rate changes, maturity extensions and deferments exceeding 90 cumulative days on loans sold in the secondary market.
• Releasing borrowers and guarantors: When prior SBA approval is required, applicable exceptions and documentation supporting the release.
• Releasing and substituting collateral: Evaluating collateral values, remaining security, lien positions and the business justification for releasing pledged assets.
• Collateral subordinations: Exercising unilateral authority, documenting the lender’s decision and avoiding prohibited preferences.
• Loan modifications and E-Tran requirements: Identifying actions requiring E-Tran updates, SBA notification, prior approval or additional guaranty fees.
• Ownership changes after disbursement: SBA approval requirements during the first 12 months, changes in ownership percentages and lender responsibilities.
• Guaranty purchase reviews: How SBA evaluates lender servicing decisions, supporting documentation and compliance with Loan Program Requirements.

Who Should Attend

This webinar is designed for experienced SBA servicing officers, servicing managers, portfolio managers, loan operations personnel and compliance professionals responsible for approving and documenting SBA loan servicing actions.

About the Instructor

Lance Sexton is Executive Vice President and Chief SBA Servicing and Liquidation Officer at Phoenix Lender Services. A former SBA Deputy Director of the Little Rock Commercial Loan Servicing Center, Lance has more than 40 years of SBA and commercial banking experience, including extensive responsibility for servicing, portfolio management, workouts and liquidation.

How the Webinar Works

We use Microsoft Teams as the Webinar Platorm

Recording
All Coleman webinars are recorded, and a link is sent to all attendees.

Single Site License
The single-site license grants your institution one viewing of the webinar. It is permissible to use a single-site license on one device in a conference room for multiple attendees to view. The webinar can be viewed on any device.

Multiple Site License
A multiple-site license is an unlimited access pass for anyone at your institution. You will be given a link that anyone in your email domain can use.

Webinar Links and Handouts
The webinar link will be sent out prior to the session, and included again when we send the presentation and handouts.

Participants Earn Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for SBA and your regulators.

Questions
Questions throughout the webinar are strongly encouraged. There are two ways to ask a question. The first is to ask the question via the chat in Microsoft Teams. The second is to send an email to anna@colemanreport.com. Also, feel free to ask pre and post-webinar questions.

The Fine Print
1) Substitutions are allowed at no charge.
2) Cancellations receive a 100% credit for any Coleman product.
3) As with all our products, we offer a 100% money back satisfaction guarantee — no questions asked.

3 Easy Ways to Order
1) ONLINE — Register and pay online via Quickbooks
2) EMAIL –Send an email to cindy@colemanreport.com with “Webinar Registration” in the Subject Line. We will do all the paperwork and either send you a sales receipt or an invoice.
3) PHONE — Call us at 818-790-4591.

Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com