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Senior SBA Underwriter

4 weeks ago

Memphis, Tennessee, United States First Horizon Full time
Job Summary

The Senior SBA Underwriter will be responsible for evaluating Small Business Administration (SBA) loan applications based on established criteria and SBA Standard Operating Procedures. This role requires a strong understanding of commercial credit underwriting with an emphasis on SBA, as well as the ability to interact with all levels of clients, staff, and management.

Key Responsibilities

Conduct in-depth analysis of financial information to form a recommendation of approval or denial of new loans.

Analyze and evaluate financial and related data to determine credit worthiness of loan prospects and merits of specific loan requests.

Collaborate with Product Specialists and Relationship Managers to gather all necessary information to present an accurate and complete picture of the loan presented.

Prepare high-quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks in accordance with the SBA's SOP.

Outline the risks and mitigating factors of a credit facility based upon the analysis of business and personal financial statements, collateral, global cash flow, economic and industrial factors, and debt service capacity.

Spread and interpret financial statements, tax returns, and projections using Excel and CreditLens.

Provide additional recommendations on loan structure and alternatives that may be more appropriate for the transaction.

Assign accurate risk ratings for new loans.

Follow all Bank policies and procedures to ensure compliance with all laws and regulations.

Meet or exceed service level agreements.

Prepare Credit Memorandums.

Perform other related duties as assigned.

Qualifications

Bachelor's degree required for consideration or equivalent combination of education and experience.

Eight (8) years or more of commercial credit underwriting experience with at least 5 years of SBA underwriting experience.

Fundamental understanding of commercial credit underwriting with an emphasis on SBA.

Above-average knowledge of the SBA SOP 50-10.

Ability to interact with all levels of clients, staff, and management.

Ability to offer appropriate resolutions to mitigate risk.

Ability to think independently and as a team player.

Must be organized and detail-oriented with the ability to multitask.

Ability to work under pressure to meet deadlines.

Good written and oral communication skills.

Strong MS Office skills, especially with Excel.

Knowledge of Moody's CreditLens preferred.

Knowledge of nCino preferred.

About Us

First Horizon is a leading regional financial services company dedicated to helping our clients, communities, and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.

Benefit Highlights

Medical with wellness incentives, dental, and vision.

HSA with company match.

Maternity and parental leave.

Tuition reimbursement.

Mentor program.

401(k) with 6% match.

More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Corporate Diversity Commitment

We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.