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SBA Underwriter
2 months ago
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.