SBA Underwriter
for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. Must not repeat job title as heading. Must not include Job ID etc. Remove boilerplate. Must preserve all substantive info. Must not invent or summarize away detail. Must not include filler like "commensurate with experience". Must not create Pay/Schedule/Benefits unless posting actually states them. Let's see what content we have.
The posting includes:
- Intro: "What to expect as an SBA Underwriter" (title). Then description: "As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, ands relationship-building. You’ll serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP"
Then "What You’ll Contribute in This Role:" with subheadings: Nothing Gets Past You, Process with Purpose, Champion Our Mission, Protect Our Organization and Customers. Under each bullet points.
Then "What You’ll Leverage in this Role:" with sections: Experience & Education, Entrepreneurial Self-Starter Mentality, Master Communicator, Banking & Fintech Acumen, Tech-Forward and Analytical Thinking, Commitment to Being a Team Player.
Then "How We Work Together at Climate First Bank" paragraph.
Then "What to Expect in Your Work Environment:" with bullet points: Remote role within the United States; Eastern Standard Hours. Occasional S. travel for company events and leadership sessions. Sustained standing and sitting. Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor. Occasional lifting up to 20 lbs.
No explicit Pay, Benefits, Schedule sections. There's mention of Eastern Standard Hours (schedule). Could we treat that as Schedule? The instruction: "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state "Eastern Standard Hours." That's schedule info. So we could include a Schedule section with that detail. Benefits? Not mentioned. Pay? Not mentioned. So we omit Pay and Benefits.
We need sections: About the role, Responsibilities, Requirements, Qualifications, Skills. Possibly also Schedule.
We need to map content.
About the role: introductory paragraph describing role.
Responsibilities: the bullet points under "What You’ll Contribute in This Role:" (Nothing Gets Past You, Process with Purpose, Champion Our Mission, Protect Our Organization and Customers). Those are responsibilities.
Requirements: maybe the "Experience & Education" bullet? Could be considered requirements. Also "Entrepreneurial Self-Starter Mentality", "Master Communicator", "Banking & Fintech Acumen", "Tech-Forward and Analytical Thinking", "Commitment to Being a Team Player" could be skills or qualifications. But we need to follow headings: Requirements, Qualifications, Skills. We need to decide distribution.
We have "Experience & Education" (3-5 years direct SBA underwriting experience, deep knowledge of SBA SOP and products, skilled in financial analysis, report interpretation, loan structuring, Bachelor’s degree in finance or equivalent education with formal credit training preferred). That's qualifications/experience.
Then we have a list of competencies: Entrepreneurial Self-Starter Mentality, Master Communicator, Banking & Fintech Acumen, Tech-Forward and Analytical Thinking, Commitment to Being a Team Player. Those could be Skills.
We could also treat "Entrepreneurial Self-Starter Mentality" etc as Qualities/Qualifications. But we have separate headings: Requirements, Qualifications, Skills. We need to avoid thin sections. Perhaps combine Requirements and Qualifications into one? But we must follow instruction: Use headings only when posting has real specific content for it. We can decide to have Requirements (experience/education) and Skills (the competencies). Qualifications maybe not needed if content overlaps. But we could also put Qualifications as the experience/education and Skills as the competencies. Requirements maybe not needed. However we need to include sections only when posting has real specific content. We can decide to have Requirements (maybe none) and skip it. But we need to include at least some sections. Let's think: The posting includes "Experience & Education" which is a requirement. So we can put that under Requirements. Then the list of mentalities etc under Skills. Qualifications maybe not needed. But we could also put Qualifications as the same as Requirements? Might be redundant. Better to have Requirements and Skills. Also About the role. Responsibilities. Schedule.
Thus sections: About the role, Responsibilities, Requirements, Skills, Schedule.
Check if any content for Benefits, Pay: none, so omit.
Now we need to format lists with - . For prose use
.
We must preserve all substantive information, not invent or summarize away detail. Must not omit details like loan amounts, purposes, etc. Must keep all bullet points.
Let's extract details.
Intro paragraph: "As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, ands relationship-building. You’ll serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP"
Note there's a typo "ands". We must preserve as is? Probably keep exactly as given. We'll keep the text.
Now Responsibilities: Under "What You’ll Contribute in This Role:" we have four sections:
- Nothing Gets Past You:
* Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines.
* Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing.
* Review financial statements and third-party reports, assess creditworthiness, and apply sound judgment in conventional credit analysis.
* Structure deals balancing opportunity and risk; make confident, well-supported recommendations.
- Process with Purpose:
* Manage the underwriting process by preparing detailed credit approval requests, including financial analysis, business history, collateral adequacy, and management assessment.
* Serve as liaison between credit administration, sales teams, and borrowers to ensure smooth communication.
* Support . (there's a stray period after Support? Actually text: "Support ." maybe incomplete. We need to preserve as is? It says "Support ." Probably a mistake but we must preserve. We'll keep "Support ." as is.
* Champion Our Mission:
* Demonstrate commitment to social, economic, environmental, and racial justice.
* Engage in ongoing education related to sustainability practices and core values.
* Protect Our Organization and Customers:
* Identify and mitigate credit weaknesses and policy exceptions to safeguard both the bank and borrowers.
* Assign accurate credit risk ratings and adhere to all bank policies, procedures, and regulatory requirements.
* Collaborate with Compliance to investigate suspicious activity and prevent fraud.
* Stay informed on legal and regulatory changes; complete all compliance and IT training promptly.
Note there is a stray "Support ." line; we keep it.
Now Requirements: Experience & Education:
- 3-5 years of direct SBA underwriting experience with deep knowledge of SBA SOP and products.
- Skilled in financial analysis, report interpretation, and loan structuring.
- Bachelor’s degree in finance or equivalent education with formal credit training preferred.
Now Skills: list of mentalities etc:
- Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, seek operational efficiencies and are an analytical thinker with a strong focus on data-driven decision making. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.
- Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you masterfully build relationships and develop business with strong influencing and decision-making skills.
- Banking & Fintech Acumen- You are highly educated in financial products and services, applicable regulations and laws. You also possess strong overall business acumen and the ability to interpret financial reports and legal documents. Strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required.
- Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product and streamline your creative process.
- Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed.
Now How We Work Together at Climate First Bank paragraph: "At Climate First Bank, we believe that how we work is just as important as what we do. Every team member is expected to deliver high-quality results on time—whether independently or in collaboration with others. You’ll be part of a supportive, mission-driven team where professionalism, communication, and collaboration are key to our collective success.You’ll also be expected to stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC. These aren’t just checkboxes — they’re essential to maintaining the trust and integrity that define our bank."
We could include this under About the role or maybe as part of Responsibilities? It's about work culture. Could be part of About the role. But we already have About the role intro. Could add another paragraph under About the role. That's fine.
Now Schedule: "What to Expect in Your Work Environment:" bullet points:
- Remote role within the United States; Eastern Standard Hours.
- Occasional S. travel for company events and leadership sessions.
- Sustained standing and sitting.
- Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
- Occasional lifting up to 20 lbs.
We need to preserve exactly.
Now we need to output HTML fragment only, no /, no markdown.
We'll produce:
About the role
As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, ands relationship-building. You’ll serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP
At Climate First Bank, we believe that how we work is just as important as what we do. Every team member is expected to deliver high-quality results on time—whether independently or in collaboration with others. You’ll be part of a supportive, mission-driven team where professionalism, communication, and collaboration are key to our collective success.You’ll also be expected to stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC. These aren’t just checkboxes — they’re essential to maintaining the trust and integrity that define our bank.
Responsibilities
- Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines.
- Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing.
. We must preserve all substantive information, not invent or summarize away detail. Must not omit details like loan amounts, purposes, etc. Must keep all bullet points. Let's extract details. Intro paragraph: "As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, ands relationship-building. You’ll serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP" Note there's a typo "ands". We must preserve as is? Probably keep exactly as given. We'll keep the text. Now Responsibilities: Under "What You’ll Contribute in This Role:" we have four sections: - Nothing Gets Past You: * Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines. * Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing. * Review financial statements and third-party reports, assess creditworthiness, and apply sound judgment in conventional credit analysis. * Structure deals balancing opportunity and risk; make confident, well-supported recommendations. - Process with Purpose: * Manage the underwriting process by preparing detailed credit approval requests, including financial analysis, business history, collateral adequacy, and management assessment. * Serve as liaison between credit administration, sales teams, and borrowers to ensure smooth communication. * Support . (there's a stray period after Support? Actually text: "Support ." maybe incomplete. We need to preserve as is? It says "Support ." Probably a mistake but we must preserve. We'll keep "Support ." as is. * Champion Our Mission: * Demonstrate commitment to social, economic, environmental, and racial justice. * Engage in ongoing education related to sustainability practices and core values. * Protect Our Organization and Customers: * Identify and mitigate credit weaknesses and policy exceptions to safeguard both the bank and borrowers. * Assign accurate credit risk ratings and adhere to all bank policies, procedures, and regulatory requirements. * Collaborate with Compliance to investigate suspicious activity and prevent fraud. * Stay informed on legal and regulatory changes; complete all compliance and IT training promptly. Note there is a stray "Support ." line; we keep it. Now Requirements: Experience & Education: - 3-5 years of direct SBA underwriting experience with deep knowledge of SBA SOP and products. - Skilled in financial analysis, report interpretation, and loan structuring. - Bachelor’s degree in finance or equivalent education with formal credit training preferred. Now Skills: list of mentalities etc: - Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, seek operational efficiencies and are an analytical thinker with a strong focus on data-driven decision making. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance. - Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you masterfully build relationships and develop business with strong influencing and decision-making skills. - Banking & Fintech Acumen- You are highly educated in financial products and services, applicable regulations and laws. You also possess strong overall business acumen and the ability to interpret financial reports and legal documents. Strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required. - Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product and streamline your creative process. - Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed. Now How We Work Together at Climate First Bank paragraph: "At Climate First Bank, we believe that how we work is just as important as what we do. Every team member is expected to deliver high-quality results on time—whether independently or in collaboration with others. You’ll be part of a supportive, mission-driven team where professionalism, communication, and collaboration are key to our collective success.You’ll also be expected to stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC. These aren’t just checkboxes — they’re essential to maintaining the trust and integrity that define our bank." We could include this under About the role or maybe as part of Responsibilities? It's about work culture. Could be part of About the role. But we already have About the role intro. Could add another paragraph under About the role. That's fine. Now Schedule: "What to Expect in Your Work Environment:" bullet points: - Remote role within the United States; Eastern Standard Hours. - Occasional S. travel for company events and leadership sessions. - Sustained standing and sitting. - Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor. - Occasional lifting up to 20 lbs. We need to preserve exactly. Now we need to output HTML fragment only, no /, no markdown. We'll produce:
About the role
As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, ands relationship-building. You’ll serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP
At Climate First Bank, we believe that how we work is just as important as what we do. Every team member is expected to deliver high-quality results on time—whether independently or in collaboration with others. You’ll be part of a supportive, mission-driven team where professionalism, communication, and collaboration are key to our collective success.You’ll also be expected to stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC. These aren’t just checkboxes — they’re essential to maintaining the trust and integrity that define our bank.
Responsibilities
- Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines.
- Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing.