Senior SBA Credit Underwriter II in Business Banking

Bank of America; St. Louis (MO); Sur place; USD 92 000 - 150 000; Plein temps

Avantages offerts par ce poste

Discretionary incentive plan

Industry-leading benefits

Paid time off

Résumé du poste

Bank of America is hiring a Specialty Channel Underwriter to manage SBA underwriting and credit decisions for small business clients. The role emphasizes thorough financial analysis, risk assessment, and collaboration with Relationship Managers and Risk teammates.

Applicants should have 5+ years of commercial underwriting, SBA experience preferred, and strong communication skills. The position is office-based with standard 40-hour weeks and competitive benefits.

Qualifications

• Minimum of 5 years of commercial underwriting and credit analysis (Business Banking, Middle Market, Leveraged Finance, etc.)
• Minimum of 2 years of SBA lending experience preferred
• Formal commercial credit training or equivalent work experience
• Industry knowledge across multiple sectors
• Prior experience in a high volume production environment
• Superior teamwork skills in the commercial market space
• Strong communication skills; ability to communicate vertically, horizontally, and externally

Responsabilités

• Analyze, underwrite, and approve credit solutions for existing and new clients; approve SBA requests in accordance with applicable credit approval grid
• Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, business and personal cash flow; complete Credit Approval documentation
• Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for an SBA credit facility
• Ensure underwriting complies with Bank credit policy and procedures and Small Business Administration SOP
• Partner with Relationship Managers, Solution Advisors, Commercial Business Development Officers and Risk teammates to assess and deliver SBA credit solutions
• Ensure data quality of credit related client and deal information
• Mentor and assist junior team members as applicable

Connaissances

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Credit Documentation Requirements

Financial Forecasting and Modeling

Recording/Organizing Information

Business Acumen

Collaboration

Collateral Management

Loan Structuring

Prioritization

Formation

High School Diploma / GED / Secondary School or equivalent

Bachelor's degree or equivalent work experience (preferred)

Description du poste

Bank of America is hiring a Specialty Channel Underwriter to manage SBA underwriting and credit decisions for small business clients. The role emphasizes thorough financial analysis, risk assessment, and collaboration with Relationship Managers and Risk teammates.

Applicants should have 5+ years of commercial underwriting, SBA experience preferred, and strong communication skills. The position is office-based with standard 40-hour weeks and competitive benefits.