Senior SBA Underwriter – Hybrid/Remote

Cbcal; California; Hybrid; USD 100,000 - 135,000; Full time

Benefits offered by this job

401k with employer match

Medical, dental, vision coverage

FSA/Dependent Care Accounts

Employee Assistance Program (EAP)

Calm subscription

Teladoc mental health benefits

Life, AD&D, disability insurance

Paid time off: vacation + holidays

Job summary

Commercial Bank of California (CBC) is seeking a Senior SBA Underwriter in California to analyze and underwrite SBA loan requests in line with SBA guidelines and CBC credit policies. The role collaborates with Relationship Managers, Loan Packagers, and Credit Committees to ensure thorough risk assessment and timely processing.

The ideal candidate brings strong analytical skills, attention to detail, and deep knowledge of SBA lending programs.

Qualifications

• Bachelor’s degree required with 3–5+ years of related experience or equivalent
• Experience with SBA 7(a) and 504 loan programs is essential; certification or training a plus
• Advanced credit analysis skills and knowledge of loan structures, pricing, and collateral analysis
• Proficiency in financial statement and tax return analysis; background in accounting/credit analysis
• Experience across commercial, construction, real estate, and consumer loan processing; familiarity with lending regulations
• Knowledge of SBA SOP 50 10 and internal bank policies; ability to work with different teams

Responsibilities

• Analyze financial statements, tax returns, and business plans to assess SBA loan creditworthiness
• Prepare detailed credit memoranda and present recommendations to loan committees
• Ensure underwriting complies with SBA SOP 50 10 and bank policies
• Collaborate with SBA Business Development Officers, Relationship Managers, and Loan Processors to gather documents
• 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

Skills

SBA underwriting

Credit analysis

Financial statement analysis

Tax return analysis

SBA 7(a) and 504

SBA submission platforms

Loan structuring & pricing

Regulatory compliance

Communication skills

Education

Bachelor’s degree

Tools

SBA submission platforms

Loan origination systems

Job description

Commercial Bank of California (CBC) is seeking a Senior SBA Underwriter in California to analyze and underwrite SBA loan requests in line with SBA guidelines and CBC credit policies. The role collaborates with Relationship Managers, Loan Packagers, and Credit Committees to ensure thorough risk assessment and timely processing.

The ideal candidate brings strong analytical skills, attention to detail, and deep knowledge of SBA lending programs.