SBA Junior Credit Analyst - Rock Prairie

Prosperity Bank; College Station (TX); On-site; USD 52,000 - 68,000; Full time

Job summary

Prosperity Bank in College Station, TX is seeking a Junior SBA Credit Analyst to support the commercial lending team. You will learn to evaluate financial statements, assist with SBA 7(a) and 504 loan processes, and help prepare credit documents under supervision.

This entry-level role focuses on developing expertise in cash flow analysis, DSCR, and loan structuring while ensuring compliance and accuracy in underwriting tasks.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related business discipline required.
• Core accounting and finance courses completed (e.g., Financial/Managerial Accounting, Corporate Finance).
• 1–3 years of Commercial Credit Analysis experience preferred.

Responsibilities

• Inputs and analyzes financial data from tax returns, CPA statements, balance sheets, and P&L statements.
• Assists with SBA Form 1502 reporting and related compliance.
• Supports underwriting by evaluating cash flow, DSCR, and net worth.
• Reviews loan requests for SBA SOP compliance and eligibility.
• Drafts sections of LAWs and credit memos outlining risks and mitigants.
• Manages underwriting documents and clears conditions for closing.

Skills

Financial Spreading

Credit Analysis

Data analysis

Attention to detail

Education

Bachelor’s degree in Accounting, Finance, Economics

Tools

Excel

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

SBA Junior Credit Analyst - Rock Prairie

Full Time Analyst ROCK PRAIRIE, College Station, TX, US

POSITION PURPOSE

With the assistance of senior team members, the Junior SBA Credit Analyst provides foundational analytical support to the commercial lending team by evaluating the financial strength and creditworthiness of small business loan applicants. Operating in an entry-level capacity, the primary focus oof this role is to develop expertise in commercial financial statement analysis, reporting and SBA regulatory guidelines (SBA 7a and 504 programs) This position serves as a training pipeline, transforming strong academic foundations in accounting and finance into practical skills required to assess risk, structure compliant loans, and support the credit approval process.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Financial Spreading & Analysis: Inputs and analyzes financial data from borrow tax returns, CPA-prepared statements, interim balance sheets, and profit & loss statements.
• SBA 1502 Reporting & Compliance: Assists with the monthly preparation, balancing, and submission of the SBA Form 1502 report to ensure accurate tracking of loan disbursements, outstanding balances, secondary market payments, and SBA fee remittances.
• Credit Underwriting Support: Assists senior team members in calculating and reviewing global cash flow, Debt Service Coverage Ratios (DSCR), and net worth by evaluating Personal Financial Statements (PFS) and tax documents as required.
• SBA Eligibility Verification: Reviews loan requests against current SBA Standar Operating Procedures (SOP) to ensure basic applicant eligibility, franchise approval status, and use of proceeds compliance.
• Credit Memo Preparation: Drafts preliminary sections of Loan Approval Worksheets (LAWs) and credit memos, summarizing credit strengths, potential risks, and identified mitigating factors, as required.
• File Management & Compliance: Monitors the collection of required underwriting documents and clears post-approval credit conditions to ensure files are complete for the closing team.
• Collaborative Support: Partners with Relationship Managers/Loan Officers and other collaborators to promptly resolve basic financial data gaps or documentation discrepancies found during the initial file review and to provide preliminary SBA loan structures.
• Supports overall team objectives by completing additional tasks as requested by management.

The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

SUPERVISORY RESPONSIBILITIES

This role has no supervisory responsibilities.

QUALIFICATIONS

Bachelor’s degree in Accounting, Finance, Economics, or a related business discipline is required or equivalent practical experience.

Successful completion of core accounting courses (e.g., Financial and Managerial Accounting) and finance courses (e.g., Corporate Finance, Financial Analysis) is required.

1 to 3 years of Commercial Credit Analysis experience

Intermediate proficiency in Microsoft Excel (formulas, data organization) with a strong aptitude for learning proprietary banking and financial software. High attention to detail, strong quantitative problem- solving skills, and clear written communication capabilities.

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.

Physical Strength: Work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None: No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability: Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.

Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra.

Language Ability: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses.

Monday - Friday: 8:00AM - 5:00PM

40 hours