Senior Credit Analyst — Complex Underwriting

First Bank SBA, Inc.; Charlotte (NC); Hybrid; USD 65,000 - 90,000; Full time

Job summary

First Bank SBA, Inc. in Charlotte, NC seeks a Credit Analyst II onsite to review financial information from lending officers, develop cash flow analyses, and prepare comprehensive underwriting packages for large-balance loans.

Responsibilities include assisting loan officers, training junior analysts, performing industry comparisons, and ensuring compliance with banking regulations while aligning with the bank's credit culture.

Qualifications

• 3–5 years of professional experience in financial analysis, loan origination and underwriting.
• Experience with financial ratio analysis and industry analysis.
• Ability to prepare and present consolidated financial information for complex borrowings.

Responsibilities

• Prepare underwriting packages for large-balance loans and complex borrower structures.
• Assist loan officers with pre-qualifications and risk assessments.
• Spread financial statements and tax returns for review by senior staff.
• Conduct industry peer comparisons and cash flow analyses.
• Train junior analysts and lending officers in package preparation and analysis.
• Ensure documentation and compliance with bank policies and regulations.

Skills

Financial analysis

Cash flow analysis

Underwriting

Team collaboration

Education

Bachelor's degree in Business Administration / Accounting / Economics

Tools

Moody's Financial Analyst

Job description

First Bank SBA, Inc. in Charlotte, NC seeks a Credit Analyst II onsite to review financial information from lending officers, develop cash flow analyses, and prepare comprehensive underwriting packages for large-balance loans.

Responsibilities include assisting loan officers, training junior analysts, performing industry comparisons, and ensuring compliance with banking regulations while aligning with the bank's credit culture.