Credit Analyst SBA Loan Management

CornerStone Professional Placement; Fort Worth (TX); Hybrid; USD 75,000 - 95,000; Full time

Job summary

CornerStone Professional Placement is seeking an experienced Credit Analyst for SBA loan management to join the commercial banking team in Fort Worth, TX. This Temp-to-Hire role focuses on portfolio management, financial analysis, and credit risk assessment.

The ideal candidate has 5+ years in commercial lending or credit analysis, with SBA 7A background preferred. Collaboration with lenders, analysts, and leadership is essential to maintain a high-quality loan portfolio.

Qualifications

• Bachelor's degree in finance, accounting, business administration, or a related field.
• Minimum 5+ years of commercial lending, credit analysis, or loan portfolio management experience.
• Candidates with 7A SBA loan background preferred.
• Strong knowledge of commercial real estate, credit risk, and covenant monitoring.

Responsibilities

• Manage and monitor an assigned commercial loan portfolio to ensure strong credit quality and compliance.
• Perform detailed financial analysis and periodic reviews to evaluate borrower performance and identify emerging credit risks.
• Maintain accurate risk ratings and recommend changes based on borrower financial condition and market trends.
• Partner with Commercial Lenders on renewals, modifications, extensions, and portfolio management strategies.
• Prepare annual reviews, credit memorandums, and portfolio monitoring documentation in accordance with bank policy.
• Monitor financial reporting requirements and covenant compliance, following up on missing information.
• Manage criticized and classified credits while developing action plans to minimize portfolio risk.
• Assist in structuring loan terms and covenant packages that protect the bank's interests.
• Collaborate with Loan Operations, Compliance, Credit Analysts, and other internal departments to ensure sound credit administration.
• Identify opportunities to improve portfolio monitoring, reporting, and credit administration processes.
• Maintain professional relationships with borrowers while supporting ongoing financial reviews and reporting requirements.

Skills

Credit analysis

Portfolio management

Financial analysis

Communication skills

Collaboration

Education

Bachelor's Degree in Finance, Accounting, Business Administration, or a related field

Job description

Job Description

Job Description

CornerStone Professional Placement has partnered with a local bank in their search for an experienced Credit Analyst for SBA Loan Management to join their commercial banking team. This is a Temp-to-Hire opportunity for a credit professional who excels in commercial portfolio management, financial analysis, and credit risk assessment. The ideal candidate will have a strong background in commercial lending and enjoy working collaboratively with lenders, credit analysts, and executive leadership to maintain a high-quality loan portfolio.

Responsibilities:

• Manage and monitor an assigned commercial loan portfolio to ensure strong credit quality and compliance.
• Perform detailed financial analysis and periodic reviews to evaluate borrower performance and identify emerging credit risks.
• Maintain accurate risk ratings and recommend changes based on borrower financial condition and market trends.
• Partner with Commercial Lenders on renewals, modifications, extensions, and overall portfolio management strategies.
• Prepare annual reviews, credit memorandums, and portfolio monitoring documentation in accordance with bank policy.
• Monitor financial reporting requirements and covenant compliance, proactively following up on missing information.
• Manage criticized and classified credits while developing action plans to minimize portfolio risk.
• Assist in structuring loan terms and covenant packages that protect the bank's interests.
• Collaborate with Loan Operations, Compliance, Credit Analysts, and other internal departments to ensure sound credit administration.
• Identify opportunities to improve portfolio monitoring, reporting, and credit administration processes.
• Maintain professional relationships with borrowers while supporting ongoing financial reviews and reporting requirements.

Requirements:

• Bachelor's Degree in Finance, Accounting, Business Administration, or a related field required.
• Professional banking credit training (RMA or formal bank credit program) preferred.
• Minimum 5+ years of commercial lending, credit analysis, or loan portfolio management experience.
• We are seeking candidates with 7A SBA loan background. These are not asset based loans.
• Strong experience analyzing commercial financial statements and assessing credit risk.
• Knowledge of commercial real estate, commercial & industrial lending, and professional practice lending.
• Understanding of loan documentation, covenant monitoring, and portfolio risk management.
• Experience managing criticized or underperforming commercial credits.
• Strong analytical, organizational, and communication skills.
• Ability to work effectively with lenders, borrowers, and cross-functional banking teams.

Compensation and Benefits:

• Employment Type: Temp-to-Hire
• Schedule: Full-Time
• Location: Fort Worth, TX (Hybrid)
• Salary: $75-95K, based on experience
• Benefits: Comprehensive benefits package available upon permanent hire.