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SBA Underwriter

2 months ago

Phoenix, United States WorldBridge Partners - Leaders in Recruiting and Executive Search Full time

Position Description

SBA Loan Underwriter II

Location: Hybrid/Operations Center (PHX)

Overall Accountability:

This role is responsible for spreading financial data related to new and renewal loan requests, including lines of credit, commercial real estate, working capital, equipment financing, loans for business start-ups, and business acquisitions, which typically would require a government guarantee.

  • Review and monitor commercial and/or real estate loan documents for accuracy, completeness, and adherence to approval conditions.
  • Follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources.
  • May work with attorneys, the SBA, USDA, and financial or other legal resources to obtain correct and accurate documents to fully protect the financial institutions interests in the credit relationship.
  • Collect, analyze, and evaluate financial and related data to determine credit worthiness of loan prospects, merit of the request and SBA/USDA eligibility.
  • Ability to interpret financial statements, tax returns and projections. Perform analysis of cash flow, global cash flow, financial capacity, and collateral requirements.
  • Prepare high-quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks.
  • Prepare loan requests within established timelines in accordance with Loan Policy and procedures.
  • Consult with SBA Department Manager and CCO to recommend proper loan structuring that limits risk to the Credit Union.
  • Order and review third-party reports, appraisals, and valuations (real estate, equipment, business, etc.), environmental reports, IRS Transcripts, and CAIVRS as required.
  • Prepare high quality annual term loan reviews, as needed.
  • Work closely with Management to support efforts to meet lending goals and objectives.
  • Maintain a satisfactory level of customer service to all (internal and external customers) and maintain satisfactory level of communication with all partners.
  • Adhere to all compliance requirements established by Bank, including timely completion of online compliance training modules.
  • Assist all Banking partners in the closing and booking of government guaranteed loans.
  • Assist in all projects assigned that help improve and streamline the credit delivery process.
  • Assist in completing periodic reviews to assess risk within the Government Guaranteed loan portfolio.

Required Qualifications:

  • 5 years of SBA loan underwriting or commercial loan underwriting experience
  • Working knowledge of SBA and USDA policies and regulations
  • Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
  • Advanced knowledge of credit policies, procedures, practices, and documentation.
  • Advanced knowledge of SBA SOPs.
  • Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.

Preferred Qualifications:

  • Bachelor’s degree in business, Finance, Accounting, or related field
  • Ability to analyze business financial statements and business/personal tax returns with limited oversight
  • Knowledge of Microsoft Officer and Microsoft Excel. In-depth knowledge of commercial lending compliance and credit regulations.
  • Professional written, verbal communication, problem solving, and interpersonal skills, along with the ability to produce quality work within tight time frames while managing multiple assignments.
  • Ability to work on core processing systems and department specific processing systems.
  • Strong work ethic, the ability to prioritize and adapt to changing deadlines, advanced interpersonal skills, excellent communication, and the desire to work as a team to support the overall success of the credit union.
  • Strong knowledge base about commercial real estate and conventional underwriting, policies and procedures.

Compensation:

The annual salary range for this position is $82K - $100K based on years of experience. This position also comes with a discretionary bonus based on the banks profitability for that fiscal year.