SBA Loan Underwriter & Credit Analyst

LiftFund; San Antonio (TX); On-site; USD 60,000 - 90,000; Full time

Job summary

LiftFund seeks a Business Loan Underwriter to analyze, underwrite, and recommend approvals or denials for small business and SBA 7(a) loan applications in accordance with SBA SOP guidelines and risk standards. You will review financial statements and perform credit analysis to determine repayment capacity and collateral adequacy.

You will collaborate with loan officers and processors to ensure timely decisions, prepare credit memoranda, and stay current on SBA guidelines while delivering strong

Qualifications

• Two (2) years of experience in business lending, loan underwriting, credit analysis, or a related financing role.
• Experience underwriting SBA 7(a) loans; Community Advantage experience preferred.
• Familiarity with SBA SOP requirements and SBA application systems such as ETRAN preferred.
• Strong analytical skills and the ability to make data-driven lending decisions.
• Knowledge of business financial statements and tax returns.
• Great customer service, communication, and negotiation skills.

Responsibilities

• Analyze and underwrite small business and SBA 7(a) loan applications, including Community Advantage loans when applicable.
• Review business and personal financial statements, tax returns, cash flow projections, and supporting documentation.
• Perform comprehensive credit analysis and risk assessment to determine repayment capacity and collateral adequacy.
• Ensure compliance with SBA SOP requirements and familiarity with SBA systems such as ETRAN.
• Prepare clear and concise credit memoranda with data-driven lending recommendations.
• Evaluate business financial performance trends and identify strengths, weaknesses, and potential risks.
• Collaborate with loan officers, processors, and closing teams to ensure timely and accurate loan decisions.
• Provide guidance, constructive feedback, and mentorship to team members as needed.
• Maintain strong customer service standards while communicating loan decisions, conditions, and requirements.
• Manage multiple loan files efficiently while meeting production and compliance deadlines.
• Stay current on SBA lending guidelines, regulatory updates, and internal policy changes.

Skills

Analytical thinking

Communication skills

Negotiation skills

Time management

Customer service

Education

Associate or bachelor’s degree in business administration, finance, accounting, or a related field

Tools

Excel

ETRAN (SBA application system)

Job description

LiftFund seeks a Business Loan Underwriter to analyze, underwrite, and recommend approvals or denials for small business and SBA 7(a) loan applications in accordance with SBA SOP guidelines and risk standards. You will review financial statements and perform credit analysis to determine repayment capacity and collateral adequacy.

You will collaborate with loan officers and processors to ensure timely decisions, prepare credit memoranda, and stay current on SBA guidelines while delivering strong