SBA & Commercial Credit Analyst I — Underwrite & Grow Loans

Redwood Credit Union; Napa (CA); On-site; USD 47,000 - 63,000; Full time

Benefits offered by this job

Competitive medical, dental, andvision

401(k) program with employer match

Paid time off + holidays

Job summary

Redwood Credit Union is seeking an SBA/Commercial Credit Analyst I to prepare SBA and commercial loan applications per underwriting guidelines. You will draft concise credit recommendations, analyze financial data, and assist with portfolio administration while learning SBA eligibility and SOPs.

The role emphasizes researching complex loan information, ensuring compliance, and maintaining strong credit quality throughout the loan lifecycle. Competitive benefit package is offered.

Qualifications

• Knowledge of laws and regulations for business lending and compliance.
• Understanding of financial institution lending products and services.
• Strong analytical skills for credit decisions with some supervision.
• Excellent written and verbal communication abilities.
• Ability to manage multiple tasks and meet deadlines.

Responsibilities

• Analyze creditworthiness using tax returns, financial statements, credit reports, and business plans.
• Prepare draft credit recommendations, risk ratings, and approval documents.
• Structure credit memos to balance risk and profitability.
• Coordinate with loan staff and external providers through underwriting and closing.
• Perform periodic loan reviews and portfolio analyses as assigned.
• Research SBA eligibility and SBA SOPs; ensure regulatory compliance.

Skills

Lending knowledge

Financial analysis

Research abilities

Written communication

Time management

Problem solving

Independent work

Cross-functional collaboration

Education

High school diploma

Tools

Office software

Job description

Redwood Credit Union is seeking an SBA/Commercial Credit Analyst I to prepare SBA and commercial loan applications per underwriting guidelines. You will draft concise credit recommendations, analyze financial data, and assist with portfolio administration while learning SBA eligibility and SOPs.

The role emphasizes researching complex loan information, ensuring compliance, and maintaining strong credit quality throughout the loan lifecycle. Competitive benefit package is offered.