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Climate First Bank · 2 weeks ago

SBA Underwriter

United States

Full-time

Onsite

Mid Level

3+ years exp

Climate First Bank is a Florida Benefit Corporation and FDIC-insured commercial bank committed to sustainability and ethical banking. As an SBA Underwriter, you will analyze loan applications, underwrite loans, and serve as a key connection between the SBA Lending team and borrowers to ensure successful loan structuring.

Banking

Responsibilities

Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines

Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing

Review financial statements and third-party reports, assess creditworthiness, and apply sound judgment in conventional credit analysis

Structure deals balancing opportunity and risk; make confident, well-supported recommendations

Manage the underwriting process by preparing detailed credit approval requests, including financial analysis, business history, collateral adequacy, and management assessment

Serve as liaison between credit administration, sales teams, and borrowers to ensure smooth communication

Support portfolio management through annual reviews, renewals, covenant monitoring, and servicing modification requests

Demonstrate commitment to social, economic, environmental, and racial justice

Engage in ongoing education related to sustainability practices and core values

Identify and mitigate credit weaknesses and policy exceptions to safeguard both the bank and borrowers

Assign accurate credit risk ratings and adhere to all bank policies, procedures, and regulatory requirements

Collaborate with Compliance to investigate suspicious activity and prevent fraud

Stay informed on legal and regulatory changes; complete all compliance and IT training promptly

Qualification

SBA underwriting experienceFinancial analysisLoan structuringSBA SOP knowledgeRegulatory complianceOrganizationTech-forward thinkingCommunication skillsTeamwork

Required

3-5 years of direct SBA underwriting experience with deep knowledge of SBA SOP and products

Skilled in financial analysis, report interpretation, and loan structuring

Proactive and results-driven with the ability to anticipate challenges, maintain efficiency, and deliver high-quality work in a fast-paced environment

Clear, concise, and professional communication across all channels—phone, video, and written correspondence

Strong understanding of SBA lending and regulatory compliance; ability to identify process improvements and ensure adherence to standards

Quick to learn new tools and embrace innovation to enhance efficiency and client experience

Exceptional time management and workflow organization; adept at prioritizing tasks and maintaining accuracy under pressure

Collaborative approach that fosters positive relationships, shares ideas, and contributes to a supportive team environment

Preferred

Bachelor's degree in finance or equivalent education with formal credit training preferred

Benefits

Medical, Dental and Vision Coverage — 100% Paid by Us (employee coverage, employer contribution towards dependents)

Financial Wellness & Wealth Building 401(k) with 6% Employer Match — Start saving for retirement with a strong head start and no vesting period.

Employee Stock Options and Grants — Share in the success you help create.

Employee Only Mortgage Product — Invest in your future by owning your own home. Employees have access to exclusive below market interest rates and creative terms.

Exclusive Employee Banking Perks — Including employee-only account and loan products.

0% Financing for Employee Solar Loans — Power your home sustainably.

0% Financing for Eligible Electric Vehicles (EVs) — drive the change you believe in.

Protection & Peace of Mind— We offer company-paid life insurance, Disability Insurance and an Employee Assistance Program (EAP) with free counseling, legal, and financial services.