SBA 504 Credit Analyst

South Eastern Council of Governments (SECOG) / Dakota BUSINESS Finance (DBF) / South Eastern Development Foundation (SEDF)

Position Title : SBA 504 Credit Analyst 

Status : Full-Time 

Hiring Range : $61,738 – $87,159 annually, plus a comprehensive benefits package, including participation in the South Dakota Retirement System (SDRS), a pension-based retirement plan. 

Position Summary 

The South Eastern Council of Governments (SECOG) is seeking a detail-oriented and highly organized SBA 504 Credit Analyst to support the underwriting, analysis, and processing of DBF’s SBA 504 and SEDF loan projects. 

The ideal candidate will have experience in commercial lending, credit analysis, underwriting, banking, or SBA lending programs. This position is onsite in Sioux Falls, SD. Relocation assistance is not available. Candidates must be able to work from the Sioux Falls location on their start date and maintain reliable transportation to and from work.

Essential Duties and Responsibilities 

• Provide direct support for Loan Officers throughout the loan origination process. 
• Collect information from borrowers, lenders, and other project stakeholders. 
• Complete loan applications, including detailed credit analyses and summaries of loan requests. 
• Analyze borrower financial statements, tax returns, cash flow projections, and related documentation. 
• Prepare loan application packages for submission to SBA. 
• Assist with completing environmental site visits. 
• Ensure compliance with environmental and appraisal requirements. 
• Assist with loan closings as necessary. 
• Schedule and prepare annual site visits for Loan Officers. 
• Maintain accurate loan files and supporting documentation. 
• Respond to inquiries regarding loan applications and program requirements. 
• Maintain confidentiality of information. 
• Perform other duties as assigned. 

Qualifications 

· Bachelor's degree in Business, Finance, Economics, Accounting, Mathematics, or a related field. 

· One (1) year or more of experience as a Credit Analyst or related lending professional. 

· Direct SBA 504 CDC experience preferred. SBA 7(a) experience is beneficial. 

· Equivalent combinations of education, training, and experience will be considered. 

· Valid driver's license with an acceptable driving record. 

Skills & Abilities 

• Highly developed analytical and underwriting expertise. 
• Strong attention to detail and accuracy. 
• Exceptional organizational skills and ability to manage multiple deadlines. 
• Strong written and verbal communication skills. 
• Ability to work effectively as part of a fast-moving team. 
• Ability to maintain confidentiality. 

Pre-Employment Requirements 

SECOG does not sponsor work visas. Employment is contingent upon successful completion of all required pre-employment screenings, which include:

· Federal background investigation (SBA Form 1081) required. Candidates must be eligible to participate in SBA lending programs and successfully complete all required SBA eligibility, background, and regulatory reviews as a condition of employment.

· Employment and reference verification. 

· Education verification. 

· Sex offender registry review. 

· Motor vehicle record review. 

How to Apply 

Send a résumé, cover letter, and professional references in confidence to: 

Erik Barnes, SVP/Senior Loan Officer 

View email address on click.appcast.io 

Position is open until filled. Review of résumés will begin immediately. 

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