Cadence Bank · 6 hours ago

SBA Credit Underwriter

Atlanta, GA

Full-time

Remote

Mid Level

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BankingCommercial Lending

Hiring Manager

Morgan Bevins

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Responsibilities

Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s).

Completes financial and repayment analysis with a focus on cash flow, liquidity, leverage, and collateral coverage.

Assesses strengths, weaknesses and mitigating factors of loan requests.

Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly.

Thoroughly documents the credit request in the appropriate format.

Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, guarantor analysis, etc.

Makes an informed credit decision (Approval, Counter, or Decline) based on the merits of the request.

Prepares analysis, reports, and presentations for review and approval by Department Manager or Credit Officers.

Works directly with the Relationship Managers to review possible deals, deal structure, and collateral.

Interacts with other departments within the bank as necessary such as Loan Operations and Treasury Management. Strives to minimize turnaround time while thoroughly documenting credit requests.

Participate in training courses as requested.

Regular and reliable attendance.

Works cooperatively with others.

Qualification

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Credit risk analysisUnderwriting principlesLoan decisioningFinancial analysisCash flow analysisMicrosoft ExcelSBA underwritingCredit analyst experienceMicrosoft Word