SBA Underwriter at Capital Community Bank

Summary:

The SBA Underwriter is responsible for supporting the bank's SBA lending program through thorough underwriting and credit analysis.

Responsibilities-

As an SBA Sr. Underwriter, you will:

• Support the SBA department through the underwriting and credit analysis function, including structuring credits in compliance with the SBA SOP and bank requirements.

• Have responsibility for a variety of tasks including preliminary due diligence and analysis for cash flow, financial capacity, and SBA eligibility, including reviewing/analyzing credit bureau data, CAIVRS, tax returns, financial statements, appraisal reports, environmental reports, and supporting loan documentation.
• Complete spreads and prepare a credit presentation with a recommendation in accordance with Bank and SBA policy.
• Identify any potential loan risks, provide alternative loan restructuring, communicate with Senior Leadership and SBA team on changing market trends, while building a great rapport with clients and fellow employees.
• Assist in loan closing, including satisfying closing conditions of approval, reviewing 3rd party reports, equity injection verification, and other tasks needed.
• Provide leadership in the group by mentoring and coaching other SBA underwriters and credit analysts.

Specifications-

Ideal candidates will have vast experience with SBA Credits of all types, including business acquisitions, real estate construction and acquisition, equipment, working capital, and debt refinance transactions.

• 7+ years SBA banking experience, preferred. Preferred recent experience in SBA 7a and SBA 504 underwriting/lending.
• Bachelor's degree in finance, Accounting, Economics and/or equivalent experience preferred.
• Advanced working knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Strong oral and written communication skills. Demonstrated effective customer service skills.
• Strong working knowledge of Microsoft Excel and Microsoft Word

Ideal candidates for this position should possess some or all of the following skills:

• Passionate and motivated self-starter. Ability to be mentored and coach others.
• Good interpersonal skills
• Strong work ethic and ability to complete work accurately and timely
• Ability to think logically in order to analyze situations and make sound decisions
• Ability to handle multiple tasks simultaneously

Benefits:

In addition to your competitive base salary, we also offer an attractive incentive program, generous benefits package that includes health insurance, 401k with employer match, paid time off, life and long-term disability coverage and more.

We are an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

We are an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.