SBA Credit Analyst, III

This is a fully remote position, open to applicants in United States.

📋 Description

• Prepare comprehensive loan write-ups and conduct annual reviews.

• Monitor credit file information for loans of medium to complex difficulty.

• Analyze and spread both business and personal financial statements along with tax returns.

• Retrieve credit bureau reports and produce credit references.

• Create financial projections and execute sensitivity analysis.

• Document findings and exceptions for Loan Officers and Loan Committees.

• Assess borrowers’ financial status, repayment ability, collateral coverage, overall credit risk, loan structure, and compliance with documentation.

• Assign preliminary risk ratings as necessary.

• Conduct ongoing credit analyses and review procedures.

• Oversee past due/non-accrual loans, collections, and borrowing-base compliance.

• Verify pledged assets as requested by Loan Officers.

• Stay informed about legal and regulatory compliance matters.

• Interpret the SBA Standard Operating Procedure (SOP).

• Independently complete underwriting tasks with minimal or no errors.

• Make informed credit decisions with limited supervision.

• Fulfill required training obligations.

• Execute loss prevention and security responsibilities as necessary.

• Take on additional responsibilities as needed.

⛳️ Requirements

• Occasionally lift and/or move items weighing up to 10 lbs.

• Proficient in English literacy.

• Ability to remain seated for extended periods while performing necessary physical activities.

• Required to have close, distance, peripheral vision, depth perception, and focus adjustment.

• Bachelor’s degree in Accounting, Business Administration, or Finance from an accredited four-year institution.

• Typically, five or more years of relevant experience and/or training.

• Proficient in Microsoft Word and Excel.

• Familiarity with financial spreadsheet software, particularly Moody’s spreadsheet software.

• Strong capabilities in problem-solving, mathematics, and analytical thinking.

• Excellent written and verbal communication skills.

• Ability to prioritize tasks and deliver high-quality work within deadlines.

• Detail-oriented and adaptable.

• Working knowledge of legal and regulatory compliance matters.

• Comprehensive understanding and interpretation of the SBA SOP.

• Capability to independently complete underwriting tasks with minimal or no errors.

• Ability to make sound credit decisions.

🏝️ Benefits

• Employee Stock Ownership Plan.

• 401k Plan.

• Comprehensive healthcare options including Medical, Dental, Vision, Telehealth, and Life insurance.

• 12-week Paid Parental Leave and Medical Leave, with a maximum of 20 weeks for qualifying team members.

• $5,000 Family Care Reimbursement for childcare, elder care, student loan debt, pet expenses, and down payment assistance.

• Paid Time Off (PTO) ranging from 13 to 23 days based on tenure, with options for cashout and carryover.

• 10 Days of Sick Time.

• 11 Paid Holidays.

• 4 Days of Volunteer Time.

• 2 Days of Self Allowance Time.

• Tuition Assistance program.

• Competitive salary and benefits package.

• Long-term incentive program through Employee Stock Ownership Program.