SBA Credit Underwriter

SUMMARY: The SBA Underwriter is responsible for the analysis, structuring, and credit approval of SBA 7(a) loan requests, working closely with the Credit Administrator and front-office production team to evaluate deals efficiently and accurately.   ESSENTIAL JOB FUNCTIONS: Underwrite SBA 7(a) loan requests including analysis of business cash flow, personal financial statements, collateral, and SBA eligibility Prepare written credit analyses and loan approval packages for Credit Administrator and loan committee review Structure loan requests to meet SBA program requirements and internal credit standards Identify and articulate credit risks, collateral shortfalls, and mitigating factors in a clear and thorough manner Work directly with Relationship Managers to gather documentation, resolve underwriting questions, and move deals efficiently through the pipeline Ensure all credit submissions comply with current SBA SOP guidelines and program eligibility requirements Maintain complete and accurate credit files throughout the loan approval and closing process Stay current on SBA regulatory updates and internal policy changes   JOB REQUIREMENTS: Bachelor’s degree in Finance, Accounting, Business, Economics or related field or equivalent work experience Prior SBA 7(a) underwriting experience   KNOWLEDGE/SKILLS REQUIRED: Advanced proficiency in interpreting GAAP financial statements and translating them to cash flow for credit purposes, including global cash flow and guarantor analysis Intermediate understanding of SBA regulations and policies Intermediate knowledge of SBA SOP, eligibility requirements, and collateral standards Intermediate analytical skills Intermediate customer service skills Intermediate business writing skills Intermediate verbal and written communication skills Intermediate interpersonal skills Intermediate problem-solving skills Intermediate organizational skills Intermediate proficiency with loan origination systems Intermediate proficiency with Microsoft Office   PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours