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Gesa Credit Union · 22 hours ago

SBA Underwriter/Credit Analyst

Walla Walla, WA

Full-time

Hybrid

Entry, Mid Level

$29.90/hr - $49.83/hr

1+ years exp

Gesa Credit Union is committed to empowering communities through its dedicated team. The SBA Underwriter/Credit Analyst plays a vital role in the SBA loan origination process by ensuring eligibility and performing financial analysis to support loan decisions.

CreditFinancial ServicesLending

Growth Opportunities

Responsibilities

Support loan officers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP

Maintain a working knowledge of SBA loan programs

Analyze personal and business credit data, financial statements, and tax returns with a sound understanding of financial ratio analysis

Request and review other information that includes accounts receivable aging reports, accounts payable aging reports, financial projections, and other related reports

Prepare and recommend credit packages for management and loan committee

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

Demonstrate a general knowledge of construction loans and leasehold improvement loans

Assist all team members when necessary to meet the borrower expectations and department goals

Demonstrate a willingness to learn and grow within a dynamic and challenging environment

Assist SBA management with special projects as assigned

Pull and review credit reports for business and personal borrowers/guarantors

Participate in outside training, seminars, webinars, and other training to remain current and aware of new growth opportunities

Submit SBA related forms and documents as needed including but not limited to: Prepare and submit 4506 – C with initial review and reconciliation, submit borrower data to CAIVRS, other forms and documents as assigned in fulfillment of the SBA department goals

The underwriter may need to communicate with the borrower to complete SBA forms 1919 and 413

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

Review the credit approval document once completed by the loan officer. They will begin the initial draft and enter information into the loan origination system

Ensure that all credit files include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system

Assist Loan Officers in preparing letters of interest and loan commitment letters

Assist Loan Officers with portfolio monitoring activities including annual loan reviews and problem loan reports

Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities

Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities

Maintain a professional work environment and work under restricted time constraints

Maintain awareness of state and federal laws, regulations, and Gesa’s member business lending policies and procedures

Demonstrate support of corporate values, mission and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations

Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge

Manage areas of responsibility, perform duties and control risk in a safe and sound manner

Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity

Qualification

Financial analysisCredit underwritingSBA loan programsFinancial ratio analysisCommercial lending platformsCustomer serviceTeam orientationMS Office proficiencyCommunication skillsInterpersonal skills

Required

Must be able to work under pressure and manage workflow to provide a high level of member service

Strong oral and written communication skills; strong analytical and research skills

Good interpersonal skills and team orientation

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

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

One (1) to two (2) years of similar or related commercial credit analysis experience preferred