SBA Commercial Loan Underwriter

3 days ago


Phoenix, Arizona, United States GTN Technical Staffing and Consulting Full time

SBA Commercial Loan Underwriter

Location: Phoenix, AZ

Position Type: Direct Hire

Compensation: $70,000 - $90,000 (Based on Experience)

Residency Requirement: U.S. Citizen

Work Arrangement: On-site (Phoenix, AZ)

Our client is seeking a highly skilled SBA Commercial Loan Underwriter to join their dynamic team. This is an exciting opportunity for a top-performing credit underwriter specializing in business lending, including SBA (7A & 504), C&I, and CRE loans. If you are looking for career growth, a more supportive corporate culture, or a role with a broader credit scope, this opportunity may be the perfect fit.

As a key contributor, you will play a pivotal role in supporting small businesses by delivering high-quality underwriting and financial analysis. Integrity, trust, and accountability are at the core of this position. Our client offers proprietary consultative services and cutting-edge technology, providing a competitive advantage unlike any other bank in the U.S.

Recognized as Arizona's #1 top-performing bank, our client leads in Loan Growth, Deposit Growth, and Net Interest Margin. As a Preferred Lender, the SBA has ranked them as the #1 Arizona-based bank over the past year, funding more SBA loans than major financial institutions, including Bank of America and Western Alliance.

If you are based in Phoenix, AZ or interested in relocating to a thriving financial hub, we encourage you to apply.

Key Responsibilities

  • Analyze and review business and personal financial information, including leases and rent rolls, to assess historical financial performance.
  • Prepare and document cash flow analyses for operating businesses, real estate holding companies, and individuals.
  • Conduct projections, pro-forma statements, and sensitivity analysis to support credit decisions.
  • Identify and document exceptions to bank credit policy while presenting mitigating factors.
  • Develop detailed written and verbal presentations for credit analysis, including loan approval recommendations.
  • Present loan recommendations to Credit Officers and Credit Committees.
  • Conduct annual reviews of existing relationships, ensure compliance with loan covenants, and monitor risk ratings.
  • Manage outstanding ticklers, covenant compliance, and client financial requests while supporting Relationship Managers in loan workouts and past-due accounts.
  • Act as a training resource for junior underwriters and relationship managers, reinforcing best practices in credit analysis and financial statement interpretation.
  • Stay up to date on banking regulations, ensuring compliance with Bank Secrecy Act, Privacy, Fair Lending, and other applicable laws.

Qualifications

Skills & Competencies

  • Strong analytical and problem-solving skills.
  • Ability to manage multiple priorities in a fast-paced environment.
  • Demonstrated ability to work independently and make assertive credit decisions.
  • Exceptional verbal and written communication skills.
  • Proficiency in financial analysis software, particularly Abrigo Sageworks and FIS Horizon.
  • Experience in C&I, CRE, and SBA loan underwriting is highly desirable.
  • Advanced proficiency in Microsoft Office (Word, Excel, Outlook).

Education & Experience

  • Bachelor's degree in Accounting, Business, or Finance (preferred).
  • Minimum of five (5) years of experience in Commercial Banking, including roles in Credit Administration, Commercial Credit Underwriting, Portfolio Management, or Commercial Lending.
  • Minimum of five (5) years of SBA underwriting experience.

We are GTN – The Go-To Network, connecting top talent with premier opportunities. If you are a results-driven professional passionate about business lending, apply today to become part of a top-performing financial institution.



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