SBA Underwriter

Voyager Lending; Pascagoula (MS); Vor Ort; USD 75.000 - 110.000; Vollzeit

Zusammenfassung

Voyager Lending is seeking an experienced SBA Loan Underwriter to join our lending team remotely in the Southeastern United States. You will provide accurate credit analysis and underwriting support for SBA/USDA loan requests, maintaining SOPs and regulatory compliance.

The role requires 3+ years SBA 7(a) underwriting, strong financial analysis, and collaboration with BDOs, lenders, and management to deliver timely credit decisions while delivering excellent service.

Qualifikationen

• Bachelor's degree in finance, accounting, or business administration.
• 3+ years SBA 7(a) loan underwriting experience.
• Thorough knowledge of SBA lending regulations, procedures, and underwriting practices.
• Strong financial analysis and credit underwriting skills.
• Proficient with Word and Excel; strong communication skills.

Aufgaben

• Analyze and underwrite SBA and USDA loan requests per bank policies and regulatory requirements.
• Prepare credit analyses, including cash flow and collateral analysis.
• Collaborate with BDOs, lending staff, and management throughout underwriting.
• Manage a pipeline of new and modification requests; review underwriting conditions.
• Communicate with borrowers, lenders, and third parties; ensure timely decisions.
• Attend training and regulatory compliance programs.

Kenntnisse

Financial analysis

Credit underwriting

SBA 7(a) knowledge

Regulatory compliance

Communication skills

Excel

MS Word

Ausbildung

Bachelor's degree in Finance/Accounting/Business Administration

Tools

Moody's credit analysis software

Jobbeschreibung

SBA Loan UnderwriterRemote | Southeastern United StatesVoyager Lending partners with small businesses by offering government-guaranteed lending solutions. We are deeply committed to helping communities sustain and grow, we deliver knowledgeable and personalized service for a seamless experience.Position SummaryWe are seeking an experienced SBA Loan Underwriter to join our growing lending team. This position is responsible for providing accurate credit analysis, risk assessment, and underwriting support for SBA and USDA loan requests. The ideal candidate will possess strong analytical skills, in-depth knowledge of SBA lending requirements, and the ability to work collaboratively with lenders, management, and customers to deliver timely credit decisions and exceptional service.Essential Duties and ResponsibilitiesAnalyze and underwrite SBA and USDA loan requests in accordance with Bank policies, procedures, and regulatory requirements.Maintain a thorough understanding of SBA Standard Operating Procedures (SOPs), lending regulations, and industry best practices.Prepare comprehensive credit analyses, including:Credit memorandumsFinancial statement spreadsCash flow analysisGlobal cash flow analysisCollateral analysisAssessment of strengths and risk mitigantsCredit facility eligibility determinationsCollaborate with Business Development Officers (BDOs), lending staff, and management throughout the underwriting process.Participate in loan vetting, credit approval discussions, and committee presentations as needed.Manage a pipeline consisting of new loan requests and loan modification requests.Review and clear underwriting conditions in a timely and accurate manner.Request and review required financial documentation from borrowers and guarantors.Communicate effectively with borrowers, lenders, management, and third-party service providers throughout the lending process.Deliver exceptional customer service to both internal and external customers.Coordinate underwriting workflow between the Bank and lender service providers as needed.Attend training programs, seminars, conferences, and industry events to maintain expertise in SBA and USDA lending.Complete all required compliance and regulatory training, including Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) training.Perform other duties and special projects as assigned.Required QualificationsBachelor's degree in Finance, Accounting, Business Administration, or a related field.Minimum of three (3) years of SBA 7(a) loan underwriting experience.Thorough knowledge of SBA lending regulations, procedures, and underwriting practices.Strong financial analysis and credit underwriting skills.Proficiency in Microsoft Word and Excel.Excellent verbal, written, and presentation communication skills.Strong interpersonal skills and the ability to work collaboratively across departments.Ability to manage multiple priorities while meeting deadlines.Commitment to ongoing professional development and compliance training requirements.Preferred QualificationsFive (5) or more years of SBA 7(a) underwriting experience.USDA Business & Industry (B&I) loan underwriting experience.Experience utilizing Moody's credit analysis software.Formal credit training through a financial institution or recognized program.Demonstrated ability to manage a high-volume underwriting pipeline while maintaining quality and accuracy.Equal Employment Opportunity StatementWe are an Equal Opportunity Employer and make employment decisions based on qualifications, merit, and business needs. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information, or any other characteristic protected by applicable federal, state, or local law.