Credit Analyst / Underwriter

Credit Analyst / Underwriter SBA Lending

A local Community bank is seeking a dedicated and analytical Credit Analyst / Underwriter for their SBA Lending team to support the evaluation, underwriting, and portfolio management of SBA loan requests. This position plays a key role in helping small businesses access capital while maintaining credit quality in alignment with the U.S. Small Business Administration (SBA) guidelines and internal lending policies. The ideal candidate will have a strong understanding of financial statement analysis, SBA SOP 50 10, and small business credit structures.

Key Responsibilities :

• Perform detailed financial analysis on SBA 7(a), Express, and 504 loan applications, including historical and projected cash flow.
• Spread financial statements and tax returns for borrowers and guarantors to assess global cash flow and repayment ability.
• Prepare clear and concise credit memoranda outlining creditworthiness, loan structure, risks, and SBA eligibility.
• Analyze business models, industry trends, and management capacity to assess borrower viability and risk profile.
• Collaborate with SBA underwriters, closers, and relationship managers to ensure loan requests are properly structured and compliant.
• Ensure credit recommendations meet current SBA SOP 50 10 requirements and bank credit policy.
• Assist in post-close reviews, annual renewals, and ongoing portfolio monitoring for SBA borrowers.

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What We Offer :