Senior SBA Loan Underwriter
2 weeks ago
Position Summary:
The Senior SBA Loan Underwriter plays a crucial role in enhancing the bank's SBA lending initiatives through meticulous underwriting and comprehensive credit evaluation.
Key Responsibilities:
As a Senior SBA Loan Underwriter, your duties will include:
- Facilitating the SBA department's operations by executing the underwriting and credit evaluation processes, ensuring adherence to SBA Standard Operating Procedures and bank policies.
- Managing a diverse range of responsibilities, such as conducting initial due diligence and assessing cash flow, financial viability, and SBA eligibility. This includes analyzing credit reports, CAIVRS, tax documentation, financial statements, appraisal evaluations, environmental assessments, and relevant loan paperwork.
- Preparing detailed financial spreads and developing a credit presentation that aligns with the bank's and SBA's guidelines.
- Identifying potential risks associated with loans, proposing alternative restructuring options, and engaging with Senior Leadership and the SBA team regarding evolving market dynamics, while fostering strong relationships with clients and colleagues.
- Assisting in the loan closing process by fulfilling approval conditions, reviewing third-party assessments, verifying equity contributions, and performing other necessary tasks.
- Providing mentorship and guidance to fellow SBA underwriters and credit analysts, promoting a collaborative team environment.
Qualifications:
The ideal candidate will possess extensive experience with various types of SBA loans, including business acquisitions, real estate transactions, equipment financing, working capital, and debt refinancing.
- A minimum of 7 years of experience in SBA banking is preferred, with recent involvement in SBA 7a and SBA 504 underwriting/lending.
- A Bachelor's degree in Finance, Accounting, Economics, or a related field is preferred.
- Advanced proficiency in accounting principles, tax return analysis, and the analytical interpretation of balance sheets and income statements.
- Exceptional verbal and written communication skills, along with demonstrated customer service capabilities.
- Strong familiarity with Microsoft Excel and Microsoft Word.
Preferred Skills:
- Self-motivated and enthusiastic, with a willingness to learn and mentor others.
- Excellent interpersonal abilities.
- A strong work ethic, with a commitment to accuracy and timeliness.
- Logical thinking skills for effective analysis and decision-making.
- Capability to manage multiple tasks concurrently.
Compensation and Benefits:
Alongside a competitive base salary, we offer an appealing incentive program and a comprehensive benefits package that includes health insurance, a 401k plan with employer matching, paid time off, life insurance, long-term disability coverage, and more.
We are an Equal Opportunity Employer, committed to diversity and inclusion. We do not discriminate based on race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other legally protected status. All employment decisions are based on qualifications, merit, and business needs.
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