Senior SBA Credit Analyst — Strategic Lending & Analysis

Ultipro; Saint Louis Park (MN); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Basic term and optional term life保险

Short-term and long-term disability

Parental leave

401(k) with employer match

Paid vacation & paid holidays

Job summary

Bridgewater Bank is seeking an experienced SBA Senior Credit Analyst in St. Louis Park, MN to support lending decisions, SBA compliance, and portfolio quality.

You will analyze financials, assess eligibility, and collaborate with SBA Bankers and Portfolio Managers to deliver timely responses to clients. The role requires 2+ years in SBA credit analysis, strong knowledge of SBA programs, and excellent communication skills.

Qualifications

• Bachelor’s degree in finance, economics, business or related field.
• 2+ years of experience with commercial credit analysis and underwriting for SBA lending programs.
• Strong knowledge of SBA lending programs and commercial loan structures.
• Superior analytical/reasoning skills.
• Ability to manage multiple loan requests and meet established deadlines.
• Proficiency in Microsoft Word, Excel, PowerPoint and Outlook.
• Excellent written, verbal, and interpersonal communication skills.

Responsibilities

• Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends, and loan performance histories.
• Verify eligibility of borrowers, loan purposes, collateral requirements, and loan program under SBA guidelines.
• Collect, review, and analyze loan requests, financial information, appraisals, title insurance, etc. for larger, more complex deals.
• Ensure credit presentation and analysis complies with current SBA SOP, program requirements, and internal credit policies.
• Assist in maintaining SBA guaranty integrity through accurate documentation and underwriting practices from initial loan approval through loan closing.
• Partner with SBA Bankers and Portfolio Managers in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions.
• Assign risk ratings to support loan requests
• Prepare annual reviews of existing loan relationships
• Mentor other Credit Analysts
• Prepare spreadsheets, reports, summaries and recommendations on loan structure/pricing for lenders
• Conduct property inspections to ensure accuracy
• Assist loan and credit department managers with special projects for managing risks in the lending function
• Maintain knowledge of all supporting software, compliance, and procedures as they relate to the loan department
• Assist lenders in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions
• Adhere to the bank’s policies, procedures, security requirements and government regulations including (but not limited to) BSA

Skills

Analytical thinking

SBA lending knowledge

Multitasking

Communication skills

Interpersonal skills

Education

Bachelor’s degree in finance, economics, business or related field

Tools

Microsoft Office

Job description

Bridgewater Bank is seeking an experienced SBA Senior Credit Analyst in St. Louis Park, MN to support lending decisions, SBA compliance, and portfolio quality.

You will analyze financials, assess eligibility, and collaborate with SBA Bankers and Portfolio Managers to deliver timely responses to clients. The role requires 2+ years in SBA credit analysis, strong knowledge of SBA programs, and excellent communication skills.