Credit Officer, SBA Lending

PlainsCapital Bank; Dallas (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

PlainsCapital Bank is seeking an SBA Credit Officer to manage credit risk within the SBA Lending division. You will oversee risk and ensure adherence to policy and SBA requirements while guiding loan structures and ongoing monitoring.

You will collaborate with SBA Lending leadership to support growth, monitor borrower performance, and deliver meaningful credit insights to committees and executives. This role requires strong underwriting and leadership capabilities.

Qualifications

• Bachelor's degree in Business or related field required.
• 7+ years’ SBA lending experience, including SBA 7(a) and 504 underwriting.
• Ability to interface effectively with senior/executive management.
• Strong knowledge of SBA lending, underwriting, and guaranty requirements.

Responsibilities

• Uphold credit policies within SBA Lending and SBA program requirements across lending relationships.
• Provide credit oversight on SBA 7(a) and 504 loan requests, evaluating underwriting and risk.
• Review and approve or recommend credit packages before submission to approval authorities.
• Partner with SBA Lending teams to support strategic growth while maintaining credit discipline.
• Develop reporting to Loan Committee and Board on credit quality and risk.

Skills

SBA lending experience

Credit risk management

Leadership

Underwriting

Microsoft Office

Education

Bachelor's degree in Business or related field

Tools

Microsoft Office

Job description

The SBA Credit Officer executes credit risk management strategies for the SBA Lending division, ensuring strong credit quality, sound loan structures, effective ongoing monitoring, and adherence to bank credit policy and applicable SBA program requirements. This role provides strategic oversight of credit and risk activities and partners closely with SBA Lending leadership to support profitable, well-structured borrower relationships.

Responsibilities

• Executes and upholds the Bank's credit policies within SBA Lending, ensuring consistent application of credit standards and applicable SBA program requirements across lending relationships.
• Provides credit oversight and guidance on SBA 7(a) and 504 loan requests, including complex or higher-risk transactions, evaluating the adequacy of underwriting, loan structure, repayment capacity, collateral, eligibility, and overall credit risk.
• Reviews and provides departmental credit approval or recommendation, within delegated authority, for credit packages prepared by the underwriting team before submission to the appropriate designated approval authority.
• Partners with SBA Lending sales, operations, and senior leadership to support strategic growth while maintaining strong credit discipline and appropriate balance between business objectives and risk.
• Cultivates industry, client, and internal relationships to monitor market conditions, anticipate regulatory and SBA program changes, and gather insights that support informed credit decisions.
• Develops, analyzes, and delivers reporting to Loan Committee, the Board of Directors, and senior leadership, providing meaningful insights into credit quality, portfolio trends, concentrations, emerging risks, and SBA program compliance.
• Oversees the ongoing credit quality of the SBA portfolio, including borrower performance, covenant and reporting compliance, collateral considerations, loan modifications and servicing activity, and other factors that may impact the Bank's credit exposure or SBA guaranty.
• Identifies emerging risks, trends, or deterioration in borrower performance and recommends appropriate action plans, credit adjustments, servicing strategies, or exit strategies, promptly escalating material concerns to upline credit management.
• Ensures SBA credit activities are conducted in accordance with Bank credit standards and applicable SBA program requirements, including eligibility, underwriting, loan structure, documentation, collateral, guaranty, closing, and servicing requirements.
• Provides guidance and direction on escalated credit, eligibility, structuring, closing, and servicing matters and partners with SBA Lending teams to resolve issues that could impact credit quality, compliance, or preservation of the SBA guaranty.
• Contributes to credit policy refinement, underwriting standards, workflow optimization, and process modernization to improve efficiency, consistency, and risk oversight.
• Provides leadership, coaching, and development to SBA credit staff, promoting sound credit judgment, consistent underwriting standards, and effective risk identification and escalation.
• Other duties as assigned.

Qualifications

• Bachelor's degree in Business or a related field required. Accounting or Finance degree strongly preferred.
• 7 or more years’ experience in SBA lending, including significant experience underwriting SBA 7(a) and 504 loans and demonstrated expertise evaluating complex commercial credit transactions. Prior credit leadership, management, or approval authority experience strongly preferred.
• Demonstrated knowledge of SBA lending, including credit underwriting, eligibility, loan structuring, closing, servicing, and guaranty requirements applicable to the bank's SBA portfolio.
• Ability to interface effectively and professionally with senior and executive-level management.
• Ability to communicate technical information clearly, both verbally and in writing, to technical and non-technical audiences.
• Excellent judgment and decision-making skills, with the ability to effectively resolve escalated concerns from staff and stakeholders.
• Excellent PC skills, including Microsoft Office products and relevant custom applications and systems.
• Excellent analytical, time management, organizational, and problem-solving skills, with the ability to manage multiple priorities in a deadline-driven environment.
• Self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio.

Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about .