Credit Underwriter: SBA & Commercial Lending Pro

Southwest-Heritage-Bank; Tucson (AZ); On-site; USD 65,000 - 85,000; Full time

Job summary

Southwest Heritage Bank is hiring a Credit Underwriter (CU) in Tucson, AZ. The role focuses on supervising and underwriting credit information for current and prospective customers, coordinating SBA, commercial real estate, and business loans with lenders and operations.

The CU ensures adherence to credit standards and bank policies while supporting portfolio growth. The position requires strong knowledge of lending concepts, financial statement analysis, and risk assessment, with the ability to

Qualifications

• BS/BA in business or related field.
• 3-5 years banking experience and/or training.

Responsibilities

• Gathers data from customers and prospects, analyzes financial information including financial statements and tax returns.
• Prepares Credit Presentations for new and existing customers and annual reviews.
• Develops accurate risk ratings on loan relationships and monitors portfolio for stress.
• Ensures renewals and annual relationship reviews are completed timely.
• Monitors covenants and documents any violations; obtains waivers if needed.
• Supports loans processing, approvals, and portfolio management within policy.

Skills

Credit analysis

Financial statements

SBA programs

Lending policies

Portfolio management

Customer relations

Education

BS/BA in business

Tools

Lending software

Credit underwriting

Job description

Southwest Heritage Bank is hiring a Credit Underwriter (CU) in Tucson, AZ. The role focuses on supervising and underwriting credit information for current and prospective customers, coordinating SBA, commercial real estate, and business loans with lenders and operations.

The CU ensures adherence to credit standards and bank policies while supporting portfolio growth. The position requires strong knowledge of lending concepts, financial statement analysis, and risk assessment, with the ability to