SBA Underwriter

Key Responsibilities

• Underwrite SBA 7(a) and SBA 504 loan requests in accordance with SBA SOP requirements and internal credit policies.
• Analyze personal and business tax returns, financial statements, cash flow, debt service coverage, liquidity, leverage, and global cash flow.
• Evaluate borrower credit profiles, management experience, industry risks, and business operations.
• Assess collateral adequacy, appraisals, environmental reports, and other third-party due diligence.
• Prepare comprehensive credit memorandums and present recommendations to credit committees and lending leadership.
• Structure transactions to mitigate risk while meeting borrower needs and SBA eligibility requirements.
• Ensure compliance with SBA regulations, lender policies, and applicable banking laws.
• Review loan packages for completeness and coordinate with business development officers, processors, closers, and servicing teams throughout the loan lifecycle.
• Identify and communicate underwriting risks, strengths, mitigants, and recommendations.
• Maintain productivity standards and meet established turnaround time expectations.
• Stay current on SBA lending regulations, SOP updates, and industry best practices.
• Support internal and external audits, quality control reviews, and portfolio monitoring activities as needed.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• 3+ years of SBA underwriting experience, including SBA 7(a) and/or SBA 504 loans.
• Strong understanding of SBA SOP guidelines, eligibility requirements, and lending regulations.
• Experience analyzing business financial statements, tax returns, and global cash flow.
• Strong written and verbal communication skills.
• Advanced proficiency in Microsoft Excel and financial analysis tools.
• Ability to manage multiple transactions simultaneously in a fast-paced environment.

PREFERRED QUALIFICATIONS

• Experience with hospitality, franchise, owner-occupied commercial real estate, or business acquisition transactions.
• Knowledge of SBA lending platforms and loan origination systems.
• Previous experience working with preferred SBA lenders (PLP).
• Credit analyst or commercial underwriting background.

Key Competencies

• Credit Analysis
• Financial Statement Analysis
• Global Cash Flow Analysis
• Risk Assessment
• Loan Structuring
• SBA Compliance
• Attention to Detail
• Problem Solving
• Time Management
• Communication & Relationship Management

Compensation & Benefits

Peachtree Group offers a competitive compensation package including base salary, annual bonus opportunity, comprehensive health benefits, 401(k) with company match, paid time off, and opportunities for professional growth within a leading commercial real estate and lending platform.

Peachtree Group is an equal opportunity employer and is committed to creating an inclusive environment for all employees.