SBA Underwriter

Job Description

Job Description

About the Opportunity
Our client, a well-established bank with a national PLP SBA lending group, is adding an SBA Underwriter to its existing underwriting group. You'll analyze and structure small business credit requests, working closely with business development officers, closers, and credit leadership to move quality deals from application to approval efficiently. This is a production seat on an established team with room to grow.

What You'll Do

• Underwrite SBA 7(a) and 504 loan requests in line with SBA SOP and bank credit policy
• Analyze business and personal financials, tax returns and transcripts, credit reports, and collateral to determine repayment ability and eligibility
• Prepare clear credit memoranda with cash flow analysis, assumptions, trending, risk ratings, and recommended structure
• Partner with BDOs early in the process to screen deals, identify issues, and structure around them
• Coordinate with closing and servicing teams to keep approved deals on schedule
• Support SBA eligibility reviews and help maintain compliance with SBA and regulatory requirements
• Contribute to improving underwriting processes and turnaround times

What We're Looking For

• 5+ years of SBA credit underwriting experience
• Working knowledge of SBA 7(a) guidelines and SBA SOP
• Strong financial analysis skills, including global cash flow and business valuation basics
• Excellent written communication and the ability to defend a credit recommendation
• Bachelor's degree in finance, accounting, business, or equivalent experience
• Comfortable using technology 

Compensation and Benefits

• Competitive salary + bonus potential
• Generous PTO
• Fully remote
• Very collaborative team culture
• Medical, dental, vision, 401(k) with competitive match