The SBA Underwriter -Franchise is responsible for analyzing and risk-assessing credit applications for SBA 7a, 504 & Express loans, and USDA loans to ensure compliance with the Company’s credit risk management strategy, the Company’s credit policy, and the SBA and USDA loan programs. Knowledge of commercial lending and USDA/SBA lending processes is required.  

The ideal candidate will have extensive Government Guaranteed Lending experience.

 Job Requirements:

• Working knowledge of the USDA Loan Programs & SBA 7a, Express & 504 Loan Programs
• Thorough knowledge of cash flow analysis, ratio analysis, and projections, as well as commercial loan structuring and documentation. Discounted collateral calculation, basic balance sheet ratio analysis, and formal credit training are a plus
• Solid qualitative and quantitative analytical skills; excellent conceptual, writing, and communication skills
• Knowledge of real estate appraisal techniques and regulations governing Environmental Reporting
• Skilled with Microsoft Word, Excel, Outlook, and related software applications (nCino is a plus)
• Solution-oriented approach to overcoming issues, with a keen focus on problem-solving and customer service, with the ability to effectively communicate with all levels of internal and external customers.
• Well organized, ability to multi-task, and attention to detail
• Ability to prioritize, meet deadlines, and work well under pressure.
• Must be able to work in a team environment and adapt to change.
• Must complete all required training, including Bank Secrecy Act/Anti-money Laundering training, suitable to his or her position within the bank.

Minimum Qualifications:  Five or more years of experience in a credit analysis role relative to SBA/USDA lending.  

Education Requirements:  Bachelor’s degree, or higher, in business administration, finance, accounting, or economics preferred.

Physical Requirements:

Prolonged periods sitting at a desk and working on a computer.

Must be able to lift up to 25 pounds at times. 

EEO Statement

We are an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status, or any other protected category.

All offers of employment shall be subject to successful completion of all pre-employment screenings, verifications, and processes. Failure to comply with these processes or failure to successfully pass all phases of the pre-employment screening will result in a withdrawal of the employment offer.

Other Duties

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice.