SBA Underwriter

Csod; Northern (KY); Hybrid; USD 65,000 - 90,000; Full time

Job summary

United Federal Credit Union is seeking an experienced SBA Underwriter to evaluate SBA lending opportunities and support sound credit decision-making.

In this role you will analyze loan requests, review financial statements and tax returns, build cash flow models, ensure compliance with SBA requirements and UFCU policies, and collaborate with SBA Business Development Officers to deliver timely credit recommendations.

Join a team committed to serving members and growing a national SBA program.

Qualifications

• Bachelor's degree in Business, Finance, Economics, or a related field.
• Minimum of two years of SBA underwriting experience.
• Strong financial analysis, credit underwriting, and cash flow modeling skills.
• Experience analyzing business financial statements and tax returns.
• Proficiency in Microsoft Excel and Word.
• Strong written and verbal communication skills.

Responsibilities

• Evaluate SBA loan requests and provide credit recommendations.
• Review financial statements, tax returns, and supporting docs.
• Build and evaluate cash flow models.
• Ensure SBA and UFCU policies are followed.
• Review third-party due diligence reports.
• Partner with SBA Business Development Officers and lending colleagues.
• Communicate credit decisions clearly and prepare modifications.
• Maintain knowledge of SBA programs and underwriting best practices.
• Contribute to process improvements and special projects.
• Participate in ongoing training and development.

Skills

Financial analysis

Credit underwriting

Cash flow modeling

Financial statement analysis

Tax return analysis

Excel

Word

Written communication

Verbal communication

Education

Bachelor's degree in Business, Finance, Economics, or related field

Tools

Microsoft Excel

Microsoft Word

Job description

United Federal Credit Union is looking for an experienced SBA Underwriter to help evaluate SBA lending opportunities and support sound credit decision-making. In this role, you will analyze loan requests, assess financial risk, ensure compliance with SBA requirements, and work closely with lending partners to deliver timely credit recommendations.

What You'll Do

As an SBA Underwriter, you'll be responsible for evaluating SBA loan requests and providing sound credit recommendations that align with UFCU lending standards and SBA program requirements.

In this role, you will:

• Analyze SBA loan applications and determine creditworthiness, repayment capacity, and SBA eligibility.
• Review financial statements, tax returns, and supporting documentation to assess lending opportunities and risks.
• Build and evaluate cash flow models to support informed credit decisions.
• Ensure loan requests comply with both SBA requirements and UFCU credit policies.
• Review third-party due diligence reports, including appraisals, business valuations, environmental reviews, and other supporting analyses.
• Partner closely with SBA Business Development Officers and lending colleagues throughout the underwriting process.
• Clearly communicate credit decisions and prepare approval modifications when needed.
• Maintain a strong understanding of SBA programs, regulations, and underwriting best practices.
• Contribute to process enhancements, policy improvements, and special projects that support the growth of the SBA program.
• Participate in ongoing training and professional development opportunities.

What You'll Bring

Required Qualifications

• Bachelor's degree in Business, Finance, Economics, or a related field.
• Minimum of two years of SBA underwriting experience.
• Strong financial analysis, credit underwriting, and cash flow modeling skills.
• Experience analyzing business financial statements and tax returns.
• Proficiency in Microsoft Excel and Word.
• Strong written and verbal communication skills.

What Will Help You Succeed

• Ability to balance multiple priorities and deadlines in a fast-paced environment.
• Sound judgment and confidence making decisions in complex situations.
• Strong analytical and problem-solving skills.
• Ability to communicate risk in a clear, concise, and logical manner.
• Collaborative mindset with a commitment to delivering exceptional service.
• Continuous learning orientation and desire to expand your expertise.

Why Join United?

At United Federal Credit Union, you'll be part of a member-owned financial cooperative that has been helping people achieve financial success since 1949. With more than 190,000 members, over $4 billion in assets, and nearly 40 locations across seven states, United combines the strength of a growing organization with a people-first culture focused on service, community involvement, and employee growth. Join a team that is committed to making a positive impact for members, communities, and one another.

Compensation & Benefits

We offer a competitive compensation package designed to reward performance and support your well-being.

• Competitive base salary plus commissions
• Medical, dental, and vision insurance
• Health Savings Account (HSA) and Flexible Spending Account (FSA) options
• Company-paid life and disability insurance
• 401(k) with company matching contributions
• Paid time off and holidays
• Tuition assistance and professional development opportunities
• Employee wellness and assistance programs
• Collaborative and supportive team environment

Work Location & Eligibility:

We currently offer remote work opportunities for candidates residing in Arkansas, Florida, Georgia, Idaho, Indiana, Kansas, Kentucky, Michigan, Minnesota, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. To be considered, candidates must be legally authorized to work in the United States on a permanent basis without the need for current or future employment visa sponsorship.

EOE/Vets/Disability