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SBA Underwriter II

5 months ago

Matthews, United States Truliant Federal Credit Union Full time

Truliant’s mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves.

Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do.

Purpose of the Job

The SBA Underwriter II is responsible for fulfilling the credit administration function for Truliant’s SBA lending group, including underwriting both SBA and traditional commercial loan requests and preparing SBA loan packages for SBA and Member Business Loan Committee approval.

Essential Functions and Responsibilities

  • Underwrites SBA loan requests, including analyzing historical financial information and business/personal credit histories.
  • Applies knowledge of SBA Standard Operating Procedures (SOP), loan eligibility requirements, and underwriting techniques to evaluate loan applications for SBA program eligibility, accuracy, and completeness.  
  • Creates financial projections.
  • Creates credit files that conform to SBA SOP manual procedures.
  • Generates comparison of borrower data to industry trends.
  • Generates credit memos for loan approvals/loan recommendations.
  • Generates presentations for larger loan requests to SBA and Member Business Loan Committee.
  • Prepares annual credit reviews.
  • Updates reports that track annual review relationships and tracks receipt of financials. 
  • Assists with ongoing development/revisions of business loan policies and procedures as needed.
  • Assists with credit analysis for special asset relationships and works out strategies.
  • Assists with SBA loan portfolio quality management.
  • Serves in a backup capacity to review commercial real estate appraisals and EDRs when needed.
  • Acts as resource for Business Lending Credit Theory to other Credit Union staff.
  • Provides accuracy review for all SBA loan documentation.

Other Duties and Responsibilities

Assists with other tasks and projects as assigned.

Knowledge, Skills, and Abilities

  • Must have strong working knowledge of SBA SOP, concepts, processes, functions, and regulations
  • Must have excellent knowledge of real estate loans, both investor and owner occupied
  • Must have sound understanding of accounting procedures and concepts, with ability to generate and analyze research data including a working knowledge of appropriate financial analysis techniques
  • Must have excellent communication skills in English, both verbal and written
  • Must have strong presentation skills
  • Must have understanding of determining loan to values and basic EDR requirements
  • Must have the ability to work with people at different job levels ranging from Senior Managers to front line employees
  • Must have strong computer skills, including basic knowledge of MS Excel and Word
  • Must have ability to understand all business processes within the credit union
  • Must be detail oriented, with excellent time management and organizational skills
  • Must be able to work in a general office environment
  • Must be flexible and able to shift resources and priorities as required
  • Must be able to complete all assignments with minimal supervision
  • Should possess a strong commitment to providing excellent service to Truliant’s members

Physical Requirements

  •    Occasional standing, walking, bending, and stooping required
  •    Must be able to sit at a desk for long periods of time and use a computer
  •    Must be able to moderately lift or move up to 5 pounds and occasionally lift or move up to 10 pounds

Education and Background

  • Bachelor’s degree or equivalent experience in Business, Finance, or related field required
  • 5-7 years’ SBA 7(a) credit underwriting experience required
  • Minimum of 3 years’ experience in analyzing business financial statements, granting and structuring business loan requests, and generating business loan documentation required
  • Previous experience in financial services/business development related field preferred

If you have a passion for member service and would like to invest in a meaningful career with opportunity for growth, we encourage you to apply to Truliant 

As a member of the Truliant family, you will enjoy the following full time benefits:

  • No-cost employee Medical, dental, vision coverage
  • Prescription benefits (including mail order)
  • Paid holidays and Paid Time Off (PTO)
  • 401(k) plan with contribution matching  
  • Retirement/pension plan
  • Paid community involvement volunteers hours
  • Paid group life Insurance
  • Teammate loan discounts
  • Tuition reimbursement
  • Short and long-term disability
  • Health & Wellness program
  • Teledoc (physician video conferencing)
  • Onsite fitness facilities or health club reimbursement
  • Employee Assistance Program (EAP)
  • Medical flexible spending account
  • Dependent care flexible spending account