SBA Underwriter - Senior

Accountabilities

• Underwrite SBA 7(a), SBA 504, and USDA loan requests in accordance with established lending policies, procedures, and credit standards.

• Gather and analyze complex borrower, financial, and credit information to assess loan eligibility, risk, and repayment capacity.

• Review and approve underwriting conditions within required timelines.

• Review and approve third-party credit-related reports, including appraisals, environmental reports, credit bureau information, and OFAC checks.

• Ensure appropriate pre-funding quality-control procedures are completed for all applicable loans.

• Prepare credit memorandums and make appropriate credit recommendations or decisions based on comprehensive financial analysis.

• Use Moody’s Analytics and other relevant tools to evaluate financial performance, creditworthiness, and risk.

• Manage multiple loan requests concurrently, ensuring customers receive timely responses and approved transactions are completed accurately and efficiently.

• Maintain consistent communication with internal and external stakeholders throughout the lending process.

• Deliver a high level of service to customers while maintaining sound credit and risk-management practices.

• Provide guidance, training, and subject-matter support to team members involved in loan processing and funding.

• Ensure loan packages comply with applicable regulatory requirements, SBA eligibility standards, internal policies, and credit guidelines.

• Maintain a thorough understanding of lending policies, SBA rules, procedures, and business practices to ensure applications are accurate and complete.

• Review and provide input on underwriting and lending guidelines when requested.

• Complete all required compliance activities and training, including Bank Secrecy Act and anti-money laundering requirements.

• Perform additional duties and responsibilities as assigned.

Requirements:

• Bachelor’s degree required.

• Minimum of 10 years of SBA 7(a) and SBA 504 loan underwriting experience.

• Extensive knowledge of SBA lending rules, regulations, eligibility requirements, and industry practices.

• Experience within a specialized lending industry vertical is preferred.

• Formal credit training is preferred.

• Strong financial analysis, credit assessment, and risk-management capabilities.

• Demonstrated ability to underwrite and manage a high volume of loan requests while maintaining accuracy and efficiency.

• Excellent interpersonal, written, verbal, and presentation skills.

• Strong administrative and technical capabilities with attention to detail and organization.

• Proficiency in Microsoft Office, particularly Word and Excel.

• Ability to communicate effectively and constructively with customers, colleagues, and other transaction participants.

• Strong understanding of federal and state banking laws, regulatory requirements, and internal compliance standards.

• Ability to complete required compliance training and participate in relevant professional development programs, meetings, seminars, and conferences.

• Must be able to successfully pass a criminal background check and credit check.

Benefits:

• Annual salary range of $115,440 to $118,141.

• Fully remote work environment within the United States.

• Full-time position with exempt status.

• Opportunity to work across SBA 7(a), SBA 504, and USDA lending programs.

• Senior-level responsibility within a specialized loan underwriting function.

• Professional development through internal and external training programs, seminars, conferences, and compliance education.

• Up to 10% travel.

• No supervisory responsibility.