Commercial Credit Analyst

Overview

Small Business Lending, LLC. is seeking a Credit Analyst to support Underwriters in managing credit risk. This role helps ensure financial data is complete, accurate, and well-organized to support sound lending decisions.

Responsibilities

• Assist Underwriters in analyzing and managing credit risk by preparing financial spreads and credit documentation.
• Spread borrower tax returns and internal financial statements using designated spreading software and Microsoft Excel.
• Prepare and complete assigned sections of credit memorandums for Underwriter review, including:
  • Business and personal credit reports
  • Bank and merchant statements
  • All required financial spreads
• Prepare full credit memorandums for SBA microloan requests in accordance with internal policies and SBA guidelines.
• Review and analyze tax transcripts to validate borrower-reported financial information.
• Pull and compile due diligence reports, including RMA industry data, NHRA reports, and business and personal credit reports.
• Ensure accuracy, consistency, and completeness of all financial and credit-related documentation prior to submission.
• Maintain organized electronic credit files and supporting documentation.
• Communicate effectively with Underwriters and other internal stakeholders regarding credit file requirements, findings, and follow-up items.
• Perform other related duties and projects as assigned.

Knowledge, Skills, and Abilities

• Strong proficiency with Microsoft Office products, particularly Excel and Word, with the ability to work efficiently with financial data and templates.
• High level of computer literacy and ability to learn and use financial spreading and credit analysis software.
• Strong analytical skills with attention to detail and accuracy.
• Effective organizational and time-management skills, including the ability to manage multiple priorities and deadlines.
• Clear verbal and written communication skills, including the ability to present financial information concisely and logically.
• Sound judgment and decision-making abilities when reviewing financial and credit information.
• Ability to establish and maintain effective working relationships with internal team members and external partners.

Required Education

• Bachelor’s degree in Finance, Accounting, Mathematics, Economics, or a related field required.

Compensation & Benefits

• Salary range: $50,000 to $65,000 annually.

Other Duties

• Participate in mandatory Community Reinvestment Act (CRA) activities and initiatives, including community outreach, volunteer events, financial education programs, and related efforts, as assigned.

Equal Opportunity

• Equal Opportunity Employer; M/F/D/V. Employees are expected to perform work ethically and uphold the organization’s Code of Business Conduct and Ethics at all times.