Elite SBA & USDA Lending Underwriter

First Community Bank; Atlanta (GA); On-site; USD 90,000 - 130,000; Full time

Job summary

First Community Bank in Atlanta, GA seeks a Senior SBA Underwriter to independently underwrite and structure government-guaranteed loans (SBA 7(a), Express, and USDA B&I) per SOPs, policy, and sound lending practices.

The role enhances credit quality and regulatory compliance while supporting growth, collaboration with credit administration, closing, and operations, and delivering exceptional client service.

Qualifications

• Bachelor's degree in finance, accounting, business, economics, or related field preferred.
• Minimum 7–10 years of commercial credit underwriting experience.
• Minimum 5 years of direct SBA underwriting experience.
• USDA B&I underwriting experience strongly preferred.
• Experience within a high-volume SBA lending platform preferred.
• Prior experience with PLP lending strongly preferred.

Responsibilities

• Independently underwrite complex SBA 7(a), SBA Express, USDA B&I, and related government guaranteed loan requests.
• Analyze borrower financial statements, tax returns, projections, global cash flow, debt service capacity, collateral coverage, liquidity, guarantor support, and repayment ability.
• Assess business risk, industry trends, management strength, succession considerations, and operational viability.
• Structure transactions in accordance with SBA SOP, USDA program requirements, bank credit policy, and safe and sound banking practices.
• Perform detailed collateral analysis including real estate, business assets, special purpose collateral, and construction lending scenarios.
• Evaluate equity injection requirements, source and seasoning of funds, and eligibility of contributed assets.
• Analyze franchise eligibility, affiliation, size standards, ownership structures, and organizational documentation.
• Review environmental, appraisal, insurance, and legal requirements associated with government guaranteed lending.
• Prepare comprehensive written credit memorandums and recommendation packages for approval authorities and loan committees.
• Present and defend loan recommendations to senior management and credit committees when necessary.

Skills

Analytical skills

Credit underwriting

Communication

Independent work

Education

Bachelor's degree in finance, accounting, business, economics, or related field

Tools

SBA E-Tran

CAFS

Abrigo/Sageworks/Moody's

Excel/Word

Job description

First Community Bank in Atlanta, GA seeks a Senior SBA Underwriter to independently underwrite and structure government-guaranteed loans (SBA 7(a), Express, and USDA B&I) per SOPs, policy, and sound lending practices.

The role enhances credit quality and regulatory compliance while supporting growth, collaboration with credit administration, closing, and operations, and delivering exceptional client service.