Accion Opportunity Fund · 2 days ago
Underwriter, SBA
United States
Full-time
Remote
Mid Level
$81K/yr - $102K/yr
3+ years expAccion Opportunity Fund is a financial support system that provides small business owners with access to capital and resources. The SBA Underwriter will underwrite SBA 7(a) small loans, ensuring compliance with SBA procedures and working closely with various teams to manage the loan lifecycle.
FinanceFinancial ServicesNon Profit
Responsibilities
Underwrite SBA 7(a) small business loans, ensuring full compliance with SBA SOP requirements, eligibility criteria, and credit standards
Analyze borrower and guarantor financials, including:
Business and personal tax returns
Interim financial statements
Cash flow and debt service coverage (DSCR)
Global cash flow analysis
Evaluate credit reports, collateral, management experience, industry risk, and repayment ability
Structure loans within SBA and internal credit guidelines, identifying risks and mitigants
Apply deep knowledge of current SBA SOPs, including eligibility, affiliation rules, use of proceeds, collateral, and guarantor requirements
Review and verify loan documentation to ensure SBA compliance prior to approval and closing
Perform KYC, due diligence, and fraud prevention reviews in accordance with SBA and internal policies
Identify policy exceptions, document credit rationale, and escalate complex or high-risk cases as appropriate
Manage underwriting pipeline within established SLAs, balancing quality, compliance, and turnaround time
Communicate clearly with internal partners and clients regarding loan status, conditions, and documentation needs
Partner with Sales, Operations, and Closing teams to ensure smooth handoffs and timely funding
Participate in special projects, audits, SBA reviews, and process improvements as needed
Make credit decisions within delegated approval authority
Provide recommendations on borderline or complex SBA loans to management and credit committees
Qualification
Required
3+ years of underwriting experience, with direct SBA 7(a) small loan underwriting experience required
Demonstrated, working knowledge of SBA SOPs and SBA eligibility requirements
Experience underwriting loans in a bank, credit union, CDFI, or SBA lending environment
Proficiency reviewing financial documents, including tax returns, bank statements, and credit reports
Strong understanding of cash flow analysis, DSCR, and global cash flow
Excellent written and verbal communication skills
Strong analytical skills, sound judgment, and attention to detail
Proficiency with Microsoft Office, especially Excel
Preferred
Experience underwriting SBA loans under $500K
Experience in mission-driven, CDFI, or community lending organizations
Familiarity with SBA audits, reviews, or lender oversight processes
Experience using loan origination systems (LOS) and third-party credit tools
Benefits
100% company-funded Medical, Dental, Vision, Life & Disability coverage for employees (Based upon your plan selection).
90% company-funded dependent coverage (Based upon your plan selection) as well as Flexible Spending Accounts.
Voluntary benefits with payroll deduction for Supplemental Life & AD&D insurance and legal plans.
Tax deferred& Roth 403(b) Retirement Plan with employer match.
Unlimited paid vacation days, 12 paid holidays, 1 floating paid holiday, 10 Sick days, and paid parental leave.
Company
Accion Opportunity Fund
Accion Opportunity Fund is a nonprofit firm that provides funds to mall businesses.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$3.15MKey Investors
Truist FoundationCommunity Development Financial Institutions Fund
2023-05-05Grant· $1.5M
2023-04-10Grant· $1.65M
Leadership Team
Luz Urrutia
Chief Executive Officer
Nicole Van Der Tuin
Chief Experience Officer
Recent News
2025-09-16
2025-09-15
2025-08-18
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