Ensures a high level of credit quality by providing SBA underwriting support, financial statement spreads and analysis and complete credit analysis services.

Location listed is preferred office location but other locations may be considered based upon convenience and business necessity.

Responsibilities

• Work with SBA Bankers and Management to perform and document the Bank’s formal credit analysis for new SBA loan requests, including shared responsibility (with SBA Banker) for credit memo creation, financial analysis and SBA eligibility analysis of new and existing credit facilities
• Participate in Geographic Bank SBA lending process by collaborating on and reviewing credit analyses for SBA compliance, as well as participating in performing SBA eligibility analysis
• Participate with SBA Bankers in calls on new and existing bank clients and prospects as needed and appropriate
• Support SBA Banker’s in the preparation of loan submission packages for new loans, annual reviews and renewals of existing loans including financial spreads, cash flow statements, commercial real estate models and other underwriting related efforts
• Research and draft analysis for new and existing clients, including company histories (primarily SBA Banker responsibility), financial analysis, collateral analysis, global cash flow analysis, and support of strengths, mitigation of weaknesses of any loan requests
• Research and draft industry reports for existing and potential customers from available public information, trade publications, and additional resources
• Attend and participate in vetting and credit approval discussions. Prepare and disseminate detailed discussion notes and plans of action and conclusions
• Collaborate with credit partners, SBA Bankers and closing staff in creation and management of needs checklists, especially as they relate to pre-approval analysis
• Utilize and participate in creation of Bank and SBA Department conventions for SBA loan analysis, systems and processes in order to ensure accuracy, thoroughness and efficiency in the lending process.
• Attend appropriate training and conferences in order to build and maintain expert credit and SBA specific knowledge
• Support Portfolio Managers and Geographic Relationship Manager’s with SBA loans with existing borrower servicing requests and account reviews
• Other related duties as assigned
• Qualifications

• Bachelors degree in business-related field
• 3-5 years banking experience with at least 3 years credit analysis or credit-related experience
• Proficiency in Microsoft Office software suite
• 5 years’ experience, including credit analysis in SBA lending environment and Specific SBA related formal training is preferred
• Experience with nCino and Moody’s is preferred

Work Environment

The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank’s employees, customers, and assets.