Primary Responsibilities

• Reviews each assigned SBA application following completion of the Pre-Underwriting Review process

• Applies knowledge of SBA Standard Operating Procedures (SOP) to evaluate loan applications for accuracy, completeness, and eligibility

• Performs analysis of financial statement spreads and repayment capacity for borrowers, affiliate business entities, and corporate and personal guarantors

• Reviews business and personal credit reports, as well as industry and market data

• Prepares an appropriately detailed credit memorandum outlining terms and conditions for loan closing, summarizing financial and business analysis, and addressing and Identifying credit strengths, weaknesses, and mitigating factors

• Ensure complete data integrity in the origination process and ensuring that loan requests are accurately and completely presented

• Demonstrates excellent working knowledge of all systems utilized by the department

• Engage in pre-flight reviews of credits

• Present credit memorandum to Executive Loan Committee for approval

• Meet or exceed established service level expectations

• Prepare and present updates as needed to senior leadership

• Support training across organization as needs arise

• Work as part of a team

• Work with on-site equipment

• Complete special projects as requested by management

• This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

• This position is incentive eligible.

 

Requirements

• (4) years of SBA experience, commercial loan underwriting, financial analysis or portfolio management experienceFour

• Bachelor's Degree in Accounting, Business, Finance or equivalent work experience

• Demonstrated expertise in government regulations surrounding SBA lending

• Strong analytical skills with high attention to detail and accuracy

• Outstanding interpersonal skills

• Excellent written and verbal communications skills

• Proficient in Microsoft computer applications