SBA Sr. Credit Analyst

Overview

Full-time position. The SBA Credit Analyst is responsible for the financial and narrative analysis of the creditworthiness of new and existing SBA loans. This role includes verifying SBA eligibility and identifying policy exceptions and other credit issues to protect the quality of the bank’s commercial loan portfolio.

Responsibilities

• Support the organization’s “People First” focus through professional conduct, excellent client service, and active participation as part of the team.
• Prepare credit analyses for loan requests, including:
  • Financial statement analysis
  • Collateral analysis
  • Risk rating recommendations
  • Trend analysis
  • Identification of credit strengths and weaknesses
• Provide written recommendations on whether a proposed loan should be approved as presented or whether an alternate loan structure is appropriate.
• Prepare financial statement spreadsheets, including measurement of various financial ratio trends.
• Assist Loan Officers with annual loan reviews, as required.
• Attend Loan Committee.
• Perform other basic credit responsibilities supporting the preparation and evaluation of credit proposals.

Requirements (Must Haves)

• Financial analysis, cash flow lending, accounting principles, and credit concepts.
• Interpretation and application of SBA Standard Operating Procedure.
• Proficiency with Windows Office applications, including Word, Excel, and Outlook.
• Knowledge of relevant Federal and State banking regulations.
• Strong understanding of basic loan documentation and general banking principles.
• High degree of accuracy and attention to detail.
• Excellent verbal and written communication skills.
• Strong PC skills, including working knowledge of Microsoft Word and Excel.
• Ability to work independently and collaboratively.
• Time management, organization, and communication (written and oral).
• 3–5 years of commercial lending experience.
• Bachelor’s degree.

Preferred Qualifications (Bonus Points)

• Strong interest in “People First” and ability to align with that focus.
• Formal bank credit training.

Compensation & Benefits

Salary: $120,000–$135,000

Benefits include:

• World-class health, vision, and dental benefits on day one
• 401(k) with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc.)
• Employee assistance programs (EAP)
• Wellness programs (including flu shots, preventive care, health program and service discounts, etc.)
• Tuition reimbursement
• Employee discount perks
• Community service events

Location

Hybrid work from home (depending on role).