SBA Loan Underwriter: Expert Credit & Risk Analysis

Loyal Trust Bank; Peachtree Corners (GA); Hybrid; USD 70,000 - 95,000; Full time

Job summary

Loyal Trust Bank in Georgia seeks an SBA Underwriter to evaluate creditworthiness of SBA 7(a) loan applicants. You will apply SBA SOP, perform formal credit analysis, and support loan approvals.

You will prepare credit memos, financial spreads, cash flow statements, collateral analysis, and participate in discussions with BDOs and management. The role may be in office or hybrid, with emphasis on accuracy and client service.

Qualifications

• 3 years SBA 7(a) loan underwriting experience.
• Thorough knowledge of SBA lending rules.
• Proficiency with financial analysis and cash flow modeling.
• Strong written and verbal communication skills.
• Ability to complete compliance training.

Responsibilities

• Underwrite SBA loans per policy and SOP.
• Prepare credit memos, financial spreads, and cash flow analyses.
• Assess collateral and overall borrower risk.
• Attend and contribute to credit approval discussions.
• Maintain a diversified underwriting portfolio.
• Request and review borrower documentation.
• Provide clear communication to all stakeholders.
• Deliver high-quality service to customers.
• Stay current with SBA knowledge and training.

Skills

SBA lending knowledge

SBA underwriting

Credit analysis

Financial spreads

Cash flow analysis

Collateral analysis

Communication skills

Excel proficiency

Word proficiency

Tools

Microsoft Word

Microsoft Excel

Job description

Loyal Trust Bank in Georgia seeks an SBA Underwriter to evaluate creditworthiness of SBA 7(a) loan applicants. You will apply SBA SOP, perform formal credit analysis, and support loan approvals.

You will prepare credit memos, financial spreads, cash flow statements, collateral analysis, and participate in discussions with BDOs and management. The role may be in office or hybrid, with emphasis on accuracy and client service.