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Ready Capital · 1 month ago

Associate, Senior SBA Credit Analyst/Underwriter

Berkeley Heights, NJ

Full-time

Onsite

Mid, Senior Level

$95K/yr - $115K/yr

4+ years exp

Ready Capital is a company focused on providing financial solutions, and they are seeking a Senior SBA Credit Analyst/Underwriter. This role is responsible for evaluating and underwriting SBA loan applications, ensuring compliance with SBA guidelines while conducting thorough credit analysis and technical writing.

Financial ServicesMortgageReal Estate

H1B Sponsor Likely

Responsibilities

Conduct thorough financial analysis of business and personal financial statements, tax returns, and cash flow projections

Assess borrower creditworthiness, repayment capacity, and collateral adequacy

Prepare a detailed credit memo with well-supported recommendations

Ensure all underwriting activities align with current SBA SOP requirements

Stay updated on changes to SBA policies and communicate implications to relevant stakeholders

Collaborate with RCL’s closing teams to ensure documentation accuracy

Draft clear, concise, and comprehensive credit memos and risk assessments

Document underwriting decisions and rationale in a professional and audit-ready format

Present credit findings to loan committees and senior management

Communicate effectively with BDOs, borrowers, internal customers and third-party professionals to gather necessary information

Provide mentorship and guidance to junior underwriters as needed

Qualification

SBA credit analysisFinancial modelingTechnical writingSBA 7(a) programsCommunication skills

Required

Bachelor's degree in Finance, Accounting, Economics, or related field

Minimum 4 years of experience in SBA credit analysis

Deep understanding of SBA 7(a) programs and SOP requirements

Strong analytical skills and proficiency in financial modeling

Excellent written and verbal communication skills

Ability to work in a high volume environment

Company

Ready Capital

Ready Capital is a multi-strategy real estate finance company

Founded in 2012

New York, New York, USA

501-1000 employees

https://readycapital.com

H1B Sponsorship

Ready Capital has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

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2025 (1)

2022 (1)