Senior Commercial Credit Specialist

5 days ago


Peachtree City, Georgia, United States GPAC Full time

We are seeking an experienced Senior Commercial Credit Specialist. The ideal candidate will bring a proven track record in underwriting, credit analysis, and strong commercial lending expertise.

Job Summary

The role focuses on meeting borrower needs by accurately selecting the appropriate loan type, while safeguarding the SBA guaranty throughout the life of the loan.

Key Responsibilities:

  • Underwrite SBA-guaranteed loans, ensuring compliance with SBA eligibility requirements and adherence to bank credit policies.
  • Perform financial spreading and conduct in-depth cash flow analysis to assess borrower financial health.
  • Collaborate with the team to assist in the packaging and closing of SBA-guaranteed loans.
  • Review SBA term loans, recommending risk rating upgrades or downgrades when necessary.
  • Stay current with the latest SOP updates and provide expert SBA guidance to Underwriters, Credit Analysts, Processors, and Marketing Officers.

Requirements:

  • Proven expertise in commercial credit underwriting, with at least 3 years of experience preferred.
  • In-depth knowledge of SBA loan programs, including Express Loans, 7(a), and 504.
  • Familiarity with the e-Tran system is highly desirable.
  • Demonstrated ability to manage competing priorities and handle multiple projects simultaneously.
  • Excellent verbal and written communication skills.

Estimated Salary: $80,000 - $120,000 per year, based on location and experience.



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