SBA Underwriter/Credit Analyst

About the role

Gesa Credit Union is a place where people come together to serve others. Our team members bring diverse backgrounds and experiences, which make us stronger. We're dedicated to supporting our communities and growing together.

Responsibilities

• Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP
• Maintain a working knowledge of SBA loan programs
• Analyze personal and business credit data, financial statements, and tax returns with a sound understanding of financial ratio analysis
• Prepare and recommend credit packages for management and loan committee
• Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software
• Demonstrate a general knowledge of construction loans and leasehold improvement loans
• Absorb and share knowledge with the team to support overall success
• Assist SBA management with special projects as assigned
• Pull and review credit reports for business and personal borrowers/guarantors
• Assist SBA Loan Production Assistant/Closer in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan requests
• Review the credit approval document once completed by the SBA Relationship Manager
• Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.
• Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system
• Aid SBA Relationship Managers in preparing letters of interest and loan commitment letters
• Aid SBA Relationship Managers with portfolio monitoring activities including annual loan reviews and problem loan reports
• Understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities
• Attend credit union training sessions, conferences, or seminars as approved by supervisor
• Maintain awareness of policies and regulations related to duties and responsibilities
• Maintain a professional work environment and work under restricted time constraints
• Maintain awareness of state and federal laws, regulations, and Gesa’s member business lending policies and procedures
• Display support of corporate values, mission and vision
• Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
• Consistently display respect for all areas of diversity and levels of knowledge
• Manage areas of responsibility, perform duties and control risk in a safe and sound manner
• Display mutual respect, trust and dignity, acting in the best interest of the Credit Union
• Lead by example by always displaying solid ethics and integrity

Qualifications

• Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience
• One (1) to two (2) years of similar or related commercial credit analysis experience preferred
• Must be able to work under pressure and manage workflow to provide a high level of member service
• Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms
• Some travel may be required to fulfill duties, career development, and/or responsibilities

Skills

• Strong oral and written communication skills
• Strong analytical and research skills
• Knowledgeable about SBA loan programs
• Ability to analyze financial statements and calculate basic financial ratios
• Ability to provide knowledgeable, professional, friendly service to all members
• Up-to-date and comprehensive knowledge of all credit union products, SBA SOP, services, policies and procedures
• Ability to participate in and support a team environment
• Respect for diversity and ability to treat people with respect, keep commitments, and maintain a high level of integrity
• Excellent customer service attributes
• Effective communication and idea/reception skills

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs
• Full Salary Range: Richland, WA: $29.90-$49.83 Spokane, WA: $29.90-$49.83 Yakima, WA: $29.90-$49.83 Renton, WA: $36.15-$60.25 Vancouver, WA: $31.80-$53.00