SBA Credit Leader: Portfolio Quality & Underwriting

Lendesca; United States; On-site; USD 180,000 - 260,000; Full time

Job summary

Lendesca, a leading SBA lending firm, seeks a Senior Vice President, Senior Credit Officer to direct the credit function and oversee evaluation, structuring, and approval of SBA loan transactions. The role ensures credit standards, regulatory compliance, and portfolio quality.

You will work closely with executive leadership, underwriting, closing, and external partners to align lending processes and drive high-quality, well-structured deals across programs.

Qualifications

• 10+ years SBA credit underwriting or 8+ years complex commercial underwriting.
• 5–8 years SBA lending experience.
• Strong knowledge of SBA programs (7(a), 504, Express).
• Excellent communication and leadership skills.

Responsibilities

• Oversee ongoing monitoring of loan portfolio and reserves.
• Review SBA submissions for completeness and compliance.
• Collaborate with business development to assess deal viability.
• Exercise delegated credit authority to approve transactions.
• Evaluate borrower eligibility and structure transactions per SBA guidelines.
• Perform in-depth financial analysis of borrowers, guarantors and entities.
• Develop clear credit memos outlining structure, risk, and rationale.
• Coordinate third-party reports for accuracy and compliance.
• Support funding through closing and operations teams.
• Stay current on SBA updates and regulatory changes.
• Contribute to performance management of credit team.

Skills

SBA credit underwriting

Commercial credit underwriting

Financial analysis

Credit staff management

Negotiation skills

Interpersonal communication

MS Office

Education

Undergraduate degree in Business/Finance

Tools

MS Office Suite

Job description

Lendesca, a leading SBA lending firm, seeks a Senior Vice President, Senior Credit Officer to direct the credit function and oversee evaluation, structuring, and approval of SBA loan transactions. The role ensures credit standards, regulatory compliance, and portfolio quality.

You will work closely with executive leadership, underwriting, closing, and external partners to align lending processes and drive high-quality, well-structured deals across programs.