SBA Commercial Underwriter II

The SBA Underwriting Officer will be responsible for evaluating Small Business Administration Loan applications based on established criteria and SBA Standard Operating Procedures. Additionally, the underwriter will be responsible for providing credit decision makers with the in-depth, independent risk analysis necessary for making informed credit decisions.

Responsibilities and Duties:Underwrite the creditworthiness of prospective and existing borrowers, particularly in the larger dollar and more complex SBA credits to assist lenders and credit decision-makers in determining SBA loan eligibility. Ensure appropriate credit underwriting, reliable risk assessment, and credit loss minimization consistent with credit policy and regulatory requirements.Financial statement analysis including UCA cash flow.Guarantor analysis.Borrowers' repayment ability.The Bank's collateral position.Industry analysis.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 Standard Operating Procedures and the Bank’s Lending Policies.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.Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.Suggest an asset quality rating based on relationship review. Compile an accurate relationship profitability analysis as directed by corporate policy. Job Skills and Qualifications:Bachelor's degree or Bachelor of Science in related discipline, or equivalent work experience.5 – 7 years' experience in credit underwriting or related experience with a focus on SBA loans including SBA 7A, Express, and 504 Programs and the USDA B&I program.Working knowledge of the SBA SOP 50NAGGL/SBA Industry educational classes is preferred.Completion of a formal credit training program is preferred.Thorough knowledge of non-borrowing products.Strong underwriting skills handling moderate to complex credits.Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Excellent verbal, written and interpersonal communications a must.Must be self-motivated and a self-starter with strong initiative, accountability and attention to detail.Must be proficient with Microsoft applications including word and excel.Must be familiar with spreading financials in a spreading software.