SBA Credit Analyst 6
$111,095–$130,700 year
On-siteLos Angeles, California, United States or Denver, Colorado, United States
Job Summary
Conduct complete credit analysis for SBA 7(a) and 504 loans by gathering, interpreting, and evaluating borrower eligibility, repayment capacity, collateral adequacy, and compliance with SBA lending guidelines. Review customer accounts and portfolios to identify credit quality issues, determine appropriate actions for servicing, and minimize potential loss to the company. Analyze financial statements, cash flow, and industry trends while ensuring adherence to bank credit policy and SBA Standard Operating Procedures. Prepare credit memorandums and loan approval packages, making recommendations to final lending decision-makers for new, renewal, and extension credit. Collaborate with lending, underwriting, and portfolio management teams to support SBA lending initiatives and ensure accurate risk assessment.
Required Qualifications
- Bachelor's degree, or equivalent work experience
- Typically six or more years of relevant experience
- Strong credit analysis and analytical skills
- Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
- Thorough knowledge of SBA lending programs, including SBA 7(a) and 504 loan structures, underwriting considerations, and servicing requirements
- Background in economics, accounting, and/or finance
- Effective technical report writing skills, including preparation of credit memorandums and loan approval packages
- Effective verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages
- Experience reviewing financial statements, personal and business tax returns, cash flow analyses, collateral valuations, and guarantor support for SBA lending transactions
- Ability to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies
Desired Qualifications
- Experience with SBA 7(a) and 504 loan programs, including underwriting, portfolio monitoring, servicing, and annual review processes
- Familiarity with SBA SOP 50 10
- Knowledge of SBA eligibility, guaranty preservation, collateral, and compliance requirements
- Proficiency in nCino, AFS, and Excel
- Effective technical writing skills for credit memorandums, annual reviews, and credit approval documentation
- Ability to identify and escalate portfolio, servicing, and compliance risks associated with SBA-guaranteed loans
- Experience partnering with relationship managers, underwriters, and servicing teams to support small business lending objectives
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.