SBA Credit Analyst

Overview

An established financial institution serving Wake County, North Carolina, and New Hanover County since 2000, with a focus on professional markets and small to mid-size businesses, is seeking an SBA Credit Analyst. This role supports the Credit Administration Department by collecting and analyzing Small Business Loan applications to assess applicants' ability to meet credit policies, SBA guidelines, and other regulatory requirements. The position also assists Portfolio Managers and Credit Administration with annual reviews and various projects.

Remote work opportunities are available for candidates located in NC, SC, GA, TN, and FL only.

Responsibilities

• Assist underwriters and business development officers in gathering and analyzing relevant information, setting up files, assessing credit request viability, and reviewing loan structures for compliance with credit policy and SBA SOPs.
• Manage data entry, document management, and workflow processes daily using the bank’s Loan Management System (LMS), nCino.
• Retrieve and review third-party reports such as credit reports, LexisNexis, SAM’s, OFAC, CAIVRS, and tax transcripts; report concerns promptly to management.
• Prepare detailed financial spreads for analysis of borrowers, affiliated businesses, and guarantors.
• Assist in preparing credit analyses and detailed write-ups for credit approval.
• Communicate with business development officers, SBA operations, senior management, and borrowers throughout the credit process.
• Maintain comprehensive knowledge of SBA/USDA SOP and bank policy guidelines.
• Provide high-level customer service to borrowers, business development officers, and colleagues.
• Collaborate with Portfolio Managers and Credit Administration Officers to complete annual portfolio reviews.
• Analyze business and global cash flow for existing SBA borrowers and guarantors to assess financial condition, profitability, repayment ability, and identify potential financial stress.
• Communicate with borrowers to obtain updated financial information to keep files current and complete.
• Assist with special projects as needed.

Requirements

• Bachelor’s degree in finance, business management, or a related field; or equivalent combination of education and experience.
• One to three years of experience in financial analysis, credit analysis, or loan management within a community bank or related financial services.
• Previous experience with an SBA institution is strongly preferred.
• Working knowledge of government lending regulations and guidelines.
• Strong organizational skills, attention to detail, and tact.
• Effective written, verbal, and interpersonal communication skills with internal and external customers.

Compensation & Benefits

Competitive compensation and a flexible benefits program that allows employees to choose options suitable for themselves and their families.

Location

Remote opportunities available for candidates residing in North Carolina, South Carolina, Georgia, Tennessee, and Florida only.