SBL Credit Analyst II

About the role

This position will be responsible for financial analysis and review of SBA program eligibility requirements on assigned loan submissions. Utilizing designated lending authority, will provide complete and accurate credit memos with justified recommendations to management for final credit decision.

Responsibilities

• Knowledge and understanding of Bank Loan Policy
• Basic knowledge of SBA SOP and eligibility requirements
• Stay up to date with economy related knowledge
• Comply with all regulations and compliance requirements pertaining to job function
• Run and review all relevant third-party reports and search for available data on public websites as necessary to support the loan presentation including Credit Reports, CLEAR Reports, etc.
• Financial collections
• Covenant tracking
• Supports the Servicing Team with all Credit Administration needs
• Prepares credit memos
• Completes tax verifications of sellers and borrowers
• Completes assigned re-approval loan presentations and change memos
• Completes Adverse Action requirements
• Attends National Markets Committee to provide commentary as needed in support of loan requests
• Reviews original documents to understand the nature of loan requests
• Spread financial statements/tax returns and complete preliminary analysis of repayment capacity
• Generates and communicates to customers the credit needs list within approved service level obligations
• Completes credit memos with justified and accurate narratives/information for final review by management while meeting SBA requirements for the small loan credit memo
• Effectively manage time and priorities to meet deadlines, dealing with multiple loan requests simultaneously in a time-sensitive environment
• Achieve and maintain base level of knowledge of commercial banking regulations, financial and cash flow analysis, and loan structuring
• Recommend loan structures, working with lenders
• Determine risk rating
• Actively participate in loan committee

Requirements

• Bachelor’s degree in Business, Finance, Accounting or relevant field required
• 3+ years related work experience required (7+ years preferred)
• Flexibility and adaptability/collaboration skills
• Good listening skills and coachability
• An ability to problem-solve and think proactively
• Excellent technical and computing skills, including proficiency in the following: Microsoft Office – Word, Outlook, Excel. Sageworks Analysis experienced desired
• Strong Critical thinking, problem solving, and excellent written and verbal communication skills
• Strong attention to detail
• Ability to manage multiple loan submissions/tasks in various stages simultaneously

Qualifications

• None specified

Skills

• None specified

Benefits

• Medical, Dental and Vision Insurance
• 401k
• Health Savings and Flexible Spending Accounts
• Vacation/Sick Time
• Paid Holidays
• Paid Parental Leave
• Tuition Reimbursement

Pay

• Base Pay PLUS Bonuses

Schedule

• Not specified