SBA Underwriter
2 weeks ago
Job Description:
JCW is seeking a highly skilled and motivated SBA Underwriter to join a dynamic team at our client, a well known regional bank in Texas. As an SBA Underwriter, you will play a crucial role in assessing the creditworthiness of small business loan applicants and ensuring compliance with SBA regulations and bank policies.
Responsibilities:
- Evaluate loan applications and financial documents to determine eligibility and risk for SBA loan programs.
- Conduct comprehensive credit analysis, including financial statement analysis, cash flow analysis, and collateral evaluation.
- Assess the business plan and management capabilities of loan applicants to make informed lending decisions.
- Collaborate with loan officers, relationship managers, and other stakeholders to gather necessary information and resolve underwriting issues.
- Prepare thorough credit memos and underwriting summaries to support loan approval decisions.
- Ensure compliance with SBA guidelines, regulatory requirements, and internal policies throughout the underwriting process.
- Communicate effectively with borrowers and internal teams to provide guidance on loan requirements and underwriting criteria.
- Stay updated on industry trends, SBA program changes, and lending best practices to continuously improve underwriting processes.
Qualifications:
- Bachelor's degree in Finance, Accounting, Business Administration, or related field. Master's degree or professional certifications (e.g., CPA, CFA) preferred.
- Minimum of 3-5 years of experience in commercial lending or SBA underwriting, preferably within a banking or financial services environment.
- Strong understanding of SBA loan programs, regulations, and underwriting guidelines.
- Proficiency in financial analysis techniques and underwriting software/tools (e.g., Moody's Analytics, CreditLens).
- Excellent analytical skills with the ability to interpret complex financial information and make sound credit decisions.
- Exceptional attention to detail and organizational skills to manage multiple loan files efficiently.
- Effective communication and interpersonal skills to collaborate with internal teams and interact with clients professionally.
- Ability to thrive in a fast-paced, deadline-driven environment while maintaining accuracy and quality in work.
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