QC Underwriter Senior

The Senior SBA & USDA Underwriter is responsible for the independent underwriting, structuring, analysis, and recommendation of complex government guaranteed commercial loan requests in accordance with SBA SOP requirements, USDA guidelines, bank credit policy, and prudent commercial lending practices.
This position plays a critical role in maintaining credit quality, regulatory compliance, portfolio performance, and operational efficiency within a high-performing Government Guaranteed Lending (“GGL”) platform. The Senior Underwriter serves as a key resource to lenders, credit administration, closing, servicing, and executive management while helping drive growth, consistency, and credit culture throughout the organization.
This individual thrives in a high-performance lending environment focused on growth, compliance, credit quality, and exceptional client service.

Credit Underwriting & Analysis

• Analyze borrower financial statements, tax returns, projections, global cash flow, debt service capacity, collateral coverage, liquidity, guarantor support, and repayment ability.
• Assess business risk, industry trends, management strength, succession considerations, and operational viability.
• Structure transactions in accordance with SBA SOP, USDA program requirements, bank credit policy, and safe and sound banking practices.
• Perform detailed collateral analysis including real estate, business assets, special purpose collateral, and construction lending scenarios.
• Evaluate equity injection requirements, source and seasoning of funds, and eligibility of contributed assets.
• Analyze franchise eligibility, affiliation, size standards, ownership structures, and organizational documentation.
• Review environmental, appraisal, insurance, and legal requirements associated with government guaranteed lending.
• Maintain expert-level knowledge of current SBA SOPs, USDA regulations, policy notices, procedural updates, and program changes.
• Identify and mitigate potential guaranty repair or denial risks during underwriting.
• Work closely with internal audit, quality control, compliance, and loan operations teams to ensure adherence to regulatory standards.
• Assist with responses to SBA, USDA, internal audit, and regulatory examination findings as needed.

Serve as a technical resource and mentor to junior underwriters, analysts, lenders, and support staff.

• Partner closely with business development officers, closers, portfolio managers, and loan operations staff to ensure efficient loan flow and exceptional customer experience.
• Participate in training initiatives related to SBA and USDA lending programs.

Bachelor’s degree in finance, Accounting, Business, Economics, or related field preferred.

• Minimum 7–10 years of commercial credit underwriting experience required.
• Experience within a high-volume SBA lending platform preferred.
• Commercial cash flow analysis and global cash flow
• Construction lending analysis
• Environmental and appraisal requirements
• Loan structuring and risk assessment
• Regulatory and compliance expectations

Ability to operate independently with minimal supervision.
~Microsoft Excel and Word

Performance Expectations

• Support portfolio growth while maintaining strong credit quality.
• Contribute to the bank’s strategic growth within SBA and USDA lending platforms.