Senior SBA Underwriter

Commercial Bank Of California; California; Hybrid; USD 100,000 - 135,000; Full time

Benefits offered by this job

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Job summary

Commercial Bank of California is seeking a Senior SBA Underwriter to analyze, underwrite, and prepare credit documentation for SBA loan requests in line with SBA guidelines and CBC policies. This role supports small business growth through sound credit decisions and timely loan processing.

The ideal candidate will have strong analytical skills, meticulous attention to detail, and deep knowledge of SBA lending programs, working closely with Relationship Managers and Credit Committees to ensure

Qualifications

• BA or equivalent with 3–5+ years related experience.
• Experience with SBA 7(a) and 504 loan programs essential.
• Advanced credit analysis with knowledge of loan structure, pricing, and collateral analysis.
• Knowledge of SBA SOP 50 10 and internal bank policies.
• Experience in financial statement and tax return analysis.
• Familiarity with loan origination systems and SBA submission platforms.
• Excellent organizational and time management skills.
• Strong verbal, written, and interpersonal communication skills.
• Ability to work independently without supervision.

Responsibilities

• Analyze financial statements, tax returns, business plans and other documents to assess creditworthiness of SBA loan applicants.
• Prepare detailed credit memoranda and present recommendations to loan committee or approving authority.
• Ensure underwriting complies with SBA SOP 50 10 and bank policies.
• Collaborate with SBA Business Development Officers, Relationship Managers, and Loan Processors to gather documentation and clarify loan structures.
• Maintain knowledge of SBA programs, eligibility, and regulatory changes.
• Assist in structuring SBA 7(a), 504, and Express loans to meet borrower and SBA requirements.
• Support post-approval processes including closing, funding, and servicing as needed.

Skills

Credit analysis

Financial statement analysis

Tax return analysis

Attention to detail

Communication skills

Time management

Independent work

SBA knowledge

Problem solving

Education

Bachelor's degree (BA) or equivalent

SBA underwriting certification or related training

Tools

SBA submission platforms

Loan origination systems

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

SBA Loans Full Time Regular Professional California, CA, US

3 days ago Requisition ID: 1238

Salary Range: $100,000.00 To $135,000.00 Annually

Location: California
Job Type: Full-Time | Exempt | Hybrid/Remote Eligible
Salary Range:$100,000 – $135,000 per year

About Commercial Bank of California

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $4 billion in assets as of November 2026.

We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive.

As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community-focused, relationship-driven bank that puts people over profits.

Job Summary

The Senior SBA Underwriter is responsible for analyzing, underwriting, and preparing credit approval documentation for Small Business Administration (SBA) loan requests in accordance with SBA guidelines and Commercial Bank of California’s credit policies. This role plays a critical part in supporting small business growth by ensuring sound credit decisions, thorough risk assessments, and timely processing of loan applications.

The ideal candidate will demonstrate strong analytical skills, attention to detail, and a deep understanding of SBA lending programs. This position works closely with Relationship Managers, Loan Packagers, and Credit Committees to ensure each loan is accurately evaluated and aligned with both regulatory and institutional standards.

Essential Duties and Responsibilities

• Analyze financial statements, tax returns, business plans, and other relevant documents to assess creditworthiness of SBA loan applicants.
• Prepare detailed credit memoranda and present recommendations to the loan committee or approving authority.
• Ensure all underwriting complies with SBA Standard Operating Procedures (SOP 50 10), as well as internal bank policies.
• Collaborate with SBA Business Development Officers, Relationship Managers, and Loan Processors to gather required documentation and clarify loan structures.
• Maintain up-to-date knowledge of SBA programs, eligibility requirements, and regulatory changes.
• Assist in structuring SBA 7(a), 504, and Express loans to meet both borrower needs and SBA requirements.
• Support post-approval processes including closing, funding, and servicing as needed.

Minimum Qualifications

• A Bachelor’s degree (BA) or equivalent from a 4-year college or university is required, along with 3-5 or more years of related experience and/or training, or an equivalent combination of education and experience.
• Experience with SBA 7(a) and 504 loan programs is essential. SBA underwriting certification or related training is a plus.
• The role requires advanced credit analysis skills with extensive knowledge of loan structure, pricing, and collateral analysis.
• Candidates should have advanced experience, knowledge, and training in financial statement and tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis, or related areas.
• Advanced experience, knowledge, and training in all lending activities and terminology is expected, including mastered knowledge of commercial, construction, real estate, and consumer loan processing.
• An intermediate knowledge of related state and federal lending and compliance regulations, as well as other Bank lending policies, is necessary.
• Familiarity with loan origination systems and SBA submission platforms is required.
• Excellent organizational and time management skills are needed, with the ability to manage multiple tasks simultaneously.
• Intermediate skills in computer terminal and personal computer operation, host computer systems, and word processing and spreadsheet software programs are expected.
• Advanced math skills are required, including the ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide in all units of measure using whole numbers, common fractions, and decimals; locate routine mathematical errors; and compute rate, ratio, and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written, and interpersonal communication skills are essential. The candidate must be able to apply common sense to carry out instructions and instruct others, read, analyze, and interpret documents and professional journals, understand procedures, write reports, correspondence, and procedures, and speak clearly to customers and employees.
• The ability to deal with complex problems involving multiple facets and variables in non-standardized situations is important.
• The position requires the ability to work independently without supervision while performing duties.
• Competitive employer contribution to medical, dental and vision coverage
• 401k plan with employer match
• Flexible Spending Accounts (FSA) and Dependent Care Accounts
• Employee Assistance Program (EAP)
• Employer provided Calm subscription
• Employer provided mental health benefits through Teladoc
• Life, AD&D and disability insurance
• Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer

Equal Employment Opportunity & Accommodations

Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic.

We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws.

Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at [e-mail] with the nature of your request and your contact information.

Recruitment Policy

Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California.

We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.