SBL Credit Analyst II

Accountabilities

• Support the evaluation, structuring, and approval process for small business lending requests by conducting financial reviews and preparing comprehensive credit documentation.
• Analyze financial statements, tax returns, and borrower information to assess repayment capacity and overall credit risk.
• Review SBA program eligibility requirements and ensure loan submissions meet applicable guidelines and internal policies.
• Prepare detailed credit memos with accurate analysis, recommendations, and supporting documentation for management review.
• Conduct financial spreading and preliminary credit analysis to evaluate borrower performance and loan viability.
• Review third-party reports, credit reports, and publicly available information to support loan presentations.
• Complete tax verifications, covenant tracking, financial collections, and other credit administration activities.
• Support loan servicing teams with credit-related documentation and operational requirements.
• Complete re-approval presentations, change memos, internal loan reviews, and adverse action requirements as needed.
• Recommend loan structures and risk ratings in collaboration with lending teams.
• Participate in loan committees by providing analysis and commentary on assigned requests.
• Communicate with customers to gather required information and facilitate efficient loan processing.
• Maintain compliance with banking regulations, credit policies, and operational procedures.
• Manage multiple loan submissions simultaneously while meeting service expectations and deadlines.
• Maintain strong relationships with internal and external stakeholders through responsive and professional communication.

Requirements

• A detail-oriented credit professional with experience in commercial lending, financial analysis, and risk assessment.
• Demonstrated strong problem-solving abilities, communication skills, and the ability to work effectively in a collaborative financial services environment.
• Bachelor’s degree in Business, Finance, Accounting, or a related field.
• Minimum of 3 years of relevant professional experience required; 7+ years preferred.
• Experience with commercial credit analysis, lending processes, or financial evaluation preferred.
• Knowledge of banking policies, lending practices, and credit risk principles.
• Familiarity with SBA lending requirements and eligibility guidelines preferred.
• Strong financial analysis skills, including reviewing financial statements and cash flow information.
• Ability to interpret complex financial information and make sound recommendations.
• Strong attention to detail with excellent organizational and time management skills.
• Ability to manage multiple priorities and loan requests in various stages simultaneously.
• Excellent written and verbal communication skills.
• Strong critical thinking, analytical reasoning, and problem-solving abilities.
• Proficiency with Microsoft Office tools, including Word, Outlook, and Excel.
• Experience with Sageworks Analysis is preferred.
• Adaptability, collaboration skills, and willingness to receive feedback and coaching.
• Preferred certifications or credentials include credit risk certifications, CPA, Certified Commercial Investment credentials, or other lending-related certifications.
• Previous lending authority experience is a plus.

Benefits

• Competitive base salary plus bonus opportunities.
• Medical, dental, and vision insurance.
• 401(k) retirement plan.
• Health Savings Account (HSA) and Flexible Spending Account (FSA) options.
• Paid vacation and sick time.
• Paid holidays.
• Paid parental leave.
• Tuition reimbursement.
• Additional employee benefits and wellness programs.
• Opportunity to grow within a collaborative financial services organization.