SBA Sr. Credit Analyst

About UsConnectOne Bank proves that putting people first is a better way to do business. At ConnectOne, we're builders — of businesses, communities, and equity. Most importantly, we're building opportunities. Our mission is to ensure our employees feel empowered to make important decisions, reach their potential and truly make an impact.ConnectOne is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry's future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission.People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At ConnectOne, you have the opportunity to be a part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at "a better place to be".ConnectOne Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.About This RoleThe SBA Credit Analyst position is responsible for the financial and narrative analysis of the credit worthiness of new and existing SBA loans. Analysis would include SBA eligibility. Underwriting must include the identification of policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank's commercial loans.In This Role You WillSupport the Bank's "People First" focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB "A Better Place to Be".Support all facets of preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit's strengths and weaknesses.Prepare written recommendation as to whether the proposed loan should be approved as presented or whether an alternate loan structure is appropriate.Prepare financial statement spread sheets which include a measurement of various financial ratio trends.Assist the Loan Officers with the completion of annual loan reviews, as required.Attend Loan Committee.Other basic credit responsibilities supporting the preparation and evaluation of credit proposals.Must HavesFinancial analysis, cash flow lending, accounting principles and credit concepts.Interpretation and application of SBA Standard Operating Procedure.Windows Office applications, Word, Excel, and Outlook.Knowledge of relevant Federal and State banking regulations.Good understanding of basic loan documentation and general banking principles.High degree of accuracy and attention to detail.Excellent verbal and written communication skills.Excellent PC skills, including a good working knowledge of Microsoft Word and Excel.Ability to work well independently and with others.Time management, organization, and communication (written and oral).Three to Five years of commercial lending experience.Bachelor's degree.Bonus Points ForStrong "People First" interest and ability.Formal Bank Credit TrainingAdditional InformationBenefits:World class health, vision, and dental benefits on day one401k with employer matchHybrid work from home (depending on role)Employee appreciation events (team building, softball games, food truck days, etc..)Employee assistance programs (EAP)Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)Tuition reimbursementEmployee Discount perksCNOB Community Service Events…and much, much more!Studies have shown that individuals from underrepresented groups, may only apply to roles if they meet 100% of the qualifications. Roles evolve over time, especially with innovation, and you may be just the person we need. We hope you're open to learning new skills and growing with us. We encourage you to apply to continue making us "a better place to be!"ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed to participate in the job application or interview process, please contact Talent Acquisition.