Credit Analyst/Underwriter

https:/jobs.gogpac.com/gpac/search/Apply/all/79/504062417/Credit%20Analyst_Underwriter.html; New Orleans (LA); Remote; USD 60,000 - 80,000; Full time

Job summary

A local community bank seeks a dedicated Credit Analyst/Underwriter for their SBA Lending team. This role involves evaluating and underwriting SBA loan requests, ensuring compliance with SBA guidelines while helping small businesses access capital. The ideal candidate will have strong analytical skills and experience in credit analysis, contributing to the bank's mission of supporting small business growth.

Benefits

Competitive salary with performance incentives

Full benefits package including medical, dental, vision

401(k) with match

Paid time off and bank holidays

Supportive team environment

Professional development opportunities

Qualifications

• 2–4 years of credit analysis experience in commercial or SBA lending.
• Strong working knowledge of SBA lending programs and eligibility criteria.

Responsibilities

• Perform detailed financial analysis on SBA loan applications.
• Prepare clear and concise credit memoranda outlining creditworthiness.
• Collaborate with SBA underwriters and relationship managers.

Skills

Financial Statement Analysis

Risk Rating

Analytical Writing

Communication

Education

Bachelor’s degree in Finance

Bachelor’s degree in Accounting

Bachelor’s degree in Economics

Tools

SBA E-Tran

Job description

CREDIT ANALYST – UNDERWRITER SBA

Job Title: Credit Analyst / Underwriter – SBA Lending

Department:SBA Lending / Credit DepartmentLocation:RemoteJob Type:Full-TimeReports To:SBA Lending Manager / Chief Credit Officer

Position Summary:

A local Community bank is seeking a dedicated and analyticalCredit Analyst / Underwriter for their SBA Lendingteam to support the evaluation, underwriting, and portfolio management of SBA loan requests. This position plays a key role in helping small businesses access capital while maintaining credit quality in alignment with the U.S. Small Business Administration (SBA) guidelines and internal lending policies. The ideal candidate will have a strong understanding of financial statement analysis, SBA SOP 50 10, and small business credit structures.

Key Responsibilities:

• Perform detailed financial analysis on SBA 7(a), Express, and 504 loan applications, including historical and projected cash flow.
• Spread financial statements and tax returns for borrowers and guarantors to assess global cash flow and repayment ability.
• Prepare clear and concise credit memoranda outlining creditworthiness, loan structure, risks, and SBA eligibility.
• Analyze business models, industry trends, and management capacity to assess borrower viability and risk profile.
• Collaborate with SBA underwriters, closers, and relationship managers to ensure loan requests are properly structured and compliant.
• Ensure credit recommendations meet current SBA SOP 50 10 requirements and bank credit policy.
• Assist in post-close reviews, annual renewals, and ongoing portfolio monitoring for SBA borrowers.

Loan Types Analyzed:

• SBA 7(a) term loans
• SBA Express lines of credit
• SBA 504 loans in partnership with CDCs
• Franchise, business acquisition, partner buyout, and equipment financing deals

Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 2–4 years of credit analysis experience in commercial or SBA lending.
• Strong working knowledge of SBA lending programs and eligibility criteria.
• Proficiency in financial statement analysis, cash flow modeling, and risk rating.
• Experience using SBA E-Tran and familiarity with SBA loan documentation preferred.
• Excellent analytical writing, communication, and organizational skills.
• Ability to work independently and manage multiple transactions simultaneously.

Preferred Qualifications:

• Formal bank credit training or SBA lending certification
• Experience in working with SBA 504 loan structures and CDCs
• Familiarity with loan origination systems and documentation workflows

What We Offer:

• Competitive salary with performance incentives
• Full benefits package including medical, dental, vision, 401(k) with match
• Paid time off and bank holidays
• Supportive team environment and professional development opportunities
• The opportunity to help small businesses grow and succeed through SBA programs

Please send your CONFIDENTAL resumes to [e-mail]

Only qualified candidates will be reviewed and contacted.