SBA Underwriter/Credit Analyst

Gesa Credit Union; Richland (WA); On-site; USD 41,190 - 68,645; Full time

Benefits offered by this job

Medical, Dental, Vision, and Life Insurance

20 days/year of Paid Time Off – Plus 10 Paid Holidays

401(k) Match

Tuition Assistance and Student Loan Repayment

Commuter Benefits

Job summary

Gesa Credit Union is seeking an SBA Underwriter/Credit Analyst in Richland, WA. The position will be crucial for analyzing credit data and ensuring SBA loan eligibility.

The ideal candidate will have strong analytical skills, proficiency with financial data analysis, and experience with commercial lending platforms. Employee benefits include competitive pay, insurance, and 401(k) match.

Qualifications

• One to two years of similar or related commercial credit analysis experience preferred.
• Must be able to work under pressure and manage workflow to provide high member service.
• Proficiency with standard office equipment and lending platforms.

Responsibilities

• Analyze credit data and financial statements for SBA loans.
• Prepare and recommend credit packages for management and loan committees.
• Communicate with borrowers to assist with necessary forms.

Skills

Financial analysis

Credit underwriting

Communication skills

Analytical skills

Education

Four-year college degree or equivalent experience

Tools

MS Office

Commercial lending platforms

Job description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. It is how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. We know we go further when we go together.

Role Summary

The SBA Underwriter/Credit Analyst is a critical function in the SBA loan origination process. The position is responsible for ensuring SBA program eligibility in accordance with SBA underwriting standards and guidelines. The underwriter performs financial analysis and credit underwriting to support loan origination activities for SBA 7(a) and SBA Express loan products, analyzes SBA credit requests, assists with credit approval recommendations, and supports SBA Relationship Managers in completing loan approval packages and quality assurance processes.

What You Will Be Doing

• Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP
• Maintain a working knowledge of SBA loan programs
• Analyze personal and business credit data, financial statements, and tax returns with a sound understanding of financial ratio analysis
• Request and review accounts receivable and payable aging reports, financial projections, and related reports
• Prepare and recommend credit packages for management and loan committee
• Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record‑keeping software
• Demonstrate a general knowledge of construction loans and leasehold improvement loans
• Assist all team members when necessary to meet borrower expectations and department goals
• Demonstrate a willingness to learn and grow within a dynamic and challenging environment
• Assist SBA management with special projects as assigned
• Pull and review credit reports for business and personal borrowers/guarantors
• Participate in outside training, seminars, webinars, and other training to remain current and aware of new growth opportunities
• Submit SBA‑related forms and documents as needed, including preparing and submitting tax transcripts, submitting borrower data to CAIVRS, and other forms to fulfill SBA department goals
• Communicate with the borrower to complete SBA forms 1919 and 413 when required
• Assist SBA Loan Production Assistant/Closer with ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, and title reports to fulfill underwriting loan requests
• Review the credit approval document once completed by the SBA Relationship Manager and begin the initial draft in the loan origination system
• Ensure all credit files include proper documentation and maintain a tickler system for updating financial statements and tax returns
• Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters
• Assist SBA Relationship Managers with portfolio monitoring activities including annual loan reviews and problem loan reports
• Understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities
• Attend credit union training sessions, conferences, or seminars as approved by supervisor
• Maintain awareness of state and federal laws, regulations, and Gesa’s member business‑lending policies and procedures
• Support corporate values, mission, and vision by performing job duties in accordance with bylaws and regulations
• Protect all sensitive data with the highest standard of confidentiality and professionalism, and consistently display respect for diversity and all levels of knowledge
• Manage responsibilities, perform duties, and control risk in a safe and sound manner, displaying mutual respect, trust, and dignity
• Lead by example by always displaying solid ethics and integrity

About You

• Perform financial statement and tax return analysis and calculate basic financial ratios
• Provide knowledgeable, professional, friendly service to all members
• Maintain up-to-date and comprehensive knowledge of all credit union products, SBA SOP, services, policies, and procedures
• Strong oral and written communication skills; strong analytical and research skills
• Participate in and support a team environment
• Display respect for diversity, treat people with respect, keep commitments, and maintain a high level of integrity
• Communicate effectively with supervisor regarding matters of account or lending concern
• Maintain a positive and professional image through verbal and written communication

Qualifications

• Four‑year college degree or completion of a specialized course of study at a business or trade school preferred but not required, or equivalent experience
• One to two years of similar or related commercial credit analysis experience preferred
• Must be able to work under pressure and manage workflow to provide a high level of member service
• Proficiency with standard office equipment, MS Office, Outlook, and commercial lending platforms
• Some travel may be required for duties, career development, or responsibilities

Our Team Member Value Proposition

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Full Salary Range

Richland, WA: $29.90–$49.83

Spokane, WA: $29.90–$49.83

Yakima, WA: $29.90–$49.83

Renton, WA: $36.15–$60.25

Vancouver, WA: $31.80–$53.00

While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378‑3100 or [e-mail] to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre‑employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and a strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)