SBA Credit Analyst

Overview

An established community bank serving Wake County and New Hanover County, North Carolina, is seeking an SBA Credit Analyst to support its Credit Administration Department. The role involves evaluating Small Business Loan applications to ensure compliance with bank credit policies, SBA guidelines, and other financial and regulatory requirements. The position also supports Portfolio Managers and Credit Administration with annual reviews and various projects.

Responsibilities

• Assist underwriters and business development officers in gathering and analyzing information, setting up files, assessing credit request viability, and reviewing loan structures for compliance with credit policy and SBA SOPs.
• Manage daily data entry, document management, and workflow processes 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 SOPs 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 both internal and external customers.

Compensation & Benefits

• Competitive compensation package.
• Flexible benefits program allowing employees to choose options suitable for themselves and their families.

Location

Wake County and New Hanover County, North Carolina