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Gesa Credit Union · 1 hour ago

SBA Underwriter/Credit Analyst II

Richland, WA

Full-time

Hybrid

Mid, Senior Level

$34.60/hr - $57.67/hr

3+ years exp

Gesa Credit Union is seeking a highly motivated SBA Underwriter/Credit Analyst to join their dynamic team. The role involves performing financial analysis and credit underwriting to support loan origination activities, ensuring SBA program eligibility, and assisting with credit approval recommendations.

CreditFinancial ServicesLending

Growth Opportunities

Responsibilities

Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance

Maintain a working knowledge of SBA loan programs

The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations & holidays

Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant’s credit worthiness

Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements

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 or tickler systems

Request SBA terms and conditions through SBA’s etran system or other means

Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request

Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports

May participate in customer and prospect calls with the SBA Relationship Manager

Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor

May be asked to coach, mentor, or train others and teach coursework as subject matter expert

Qualification

Financial analysisCredit underwritingSBA loan programsCommercial credit analysisFinancial ratio analysisMS Office proficiencyTeam orientationEthicsInterpersonal skillsCommunication skillsIntegrity

Required

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

Preferred

Three (3) to five (5) years of similar or related commercial credit analysis experience preferred

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