Job Description
Qualifications
You own it, are highly competitive, accountable and likely are a top performing credit underwriter specializing in business lending including: SBA (7A & 504), C&I and CRE loans
A top candidate may not be happy with their current employer’s culture, limited growth potential, tightening credit box, reduced loan growth or perhaps interested in exploring a change
Knowledge, Skills & Abilities
Demonstrated analytical and problem-solving skills
Experience working in a fast-paced environment where required to prioritize and deal effectively with varying workloads and meet deadlines
Time management is critical
Proven experience working independently with assertive decision-making for loan recommendations
Exceptional communication skills required, both verbal and written, including courteous and professional interaction, establishing trust and maintaining productive relationships with customers, peers, relationship managers and bank management
Quickly grasps Bank analysis software and retains information
Proficient with Microsoft Office Products –Word, Excel and Outlook
Education & Experience
5 years in Commercial Banking (e.G., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial lending), required
5 years of SBA Underwriting experience required
This job description as with any other role may be an in-office or work-from-home position and may be subject to our work-from-home policy
Benefits
Hourly / Salary: based on experience
Responsibilities
Review and spread business and personal financial information including leases and rent rolls received to provide detail for historical comparison and analysis
Document cash flows for operating business entities, real estate holding companies and individuals, as well as an overall global cash flow for loan analysis and loan approval
Produce projections, pro-forma statements and sensitivity analysis as appropriate
Identify and document exceptions to the Bank credit policy as well as pertinent mitigating factors
Prepare written and verbal presentations of financial information including detailed formal credit analysis with recommendations for loan approval or denial
The Senior Credit Underwriter attends and presents loans to Credit Officers and/or Credit Committee(s) for approval
Conduct Annual Reviews of existing relationships and Annual Loan Covenant Compliance with consideration of Risk Rating accuracy
Manage outstanding ticklers, covenant monitoring, requesting financial items from clients, review and provide updates to lenders and management
Assist the Relationship Manager and Credit Administration on Past-Due loans, Watchlist credits and loan workouts, preparing Problem Loan Report as needed
Develop and maintain an acceptable turn-around time on all loan requests to sustain our reputation as a service-oriented and personable community bank
Act as a training resource for Relationship Managers and Junior Credit Underwriters related to understanding and interpreting financial statements and tax returns and upon request review the cash flow preparations and analysis of Relationship Managers and Junior Credit Analysts for correctness and completeness
Also reinforce the Bank’s commitment to sustaining high credit quality and strong credit culture
Participate in continuing education courses to stay abreast of new banking regulations
Maintain thorough knowledge of Bank’s credit policy and other Bank policies and procedures
Maintain a thorough knowledge of all our client's products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act;Privacy;Fair Lending;Regulation E;deposit, transaction and loan accounts
Job description
Senior SBA Loan Underwriter
Highlights:
Location: Phoenix, AZ
Position Type: Direct hire
Hourly / Salary: based on experience
Residency Status: US Citizen
On-site (Phoenix, AZ)
Our client is looking for a Senior SBA Loan Underwriter to join their team!
Position Summary:
You own it, are highly competitive, accountable and likely are a top performing credit underwriter specializing in business lending including: SBA (7A & 504), C&I and CRE loans. A top candidate may not be happy with their current employer’s culture, limited growth potential, tightening credit box, reduced loan growth or perhaps interested in exploring a change.
You have a passion for helping small businesses. Ethics, integrity, building trust, delivering on your promises, and delivering results for your small business clients is of paramount importance to you. You are intrigued to learn about our client's technology - the proprietary consultative services and technology we invented and provide to business owners, helping you maximize accepted LOI’s with a competitive differentiator not offered by any other bank in the USA.
You are also excited that our client is ranked as the #1 top-performing bank among all Arizona-based banks in key measures like: Loan Growth #1, Deposit Growth #1, and Net Interest Margin #1.
As a Preferred Lender, the SBA recently ranked our client as the #1 Arizona-based bank over the past 12 months, funding a higher dollar amount of SBA loans than Bank of America and Western Alliance banks. To support this rapid growth, we are hiring!
You either live in the Phoenix Arizona metro area or have family or friends and are interested in being based here. If this sounds like you, please keep reading and we encourage you to apply.
Responsibilities:
• Review and spread business and personal financial information including leases and rent rolls received to provide detail for historical comparison and analysis.
• Document cash flows for operating business entities, real estate holding companies and individuals, as well as an overall global cash flow for loan analysis and loan approval.
• Produce projections, pro-forma statements and sensitivity analysis as appropriate.
• Identify and document exceptions to the Bank credit policy as well as pertinent mitigating factors.
• Prepare written and verbal presentations of financial information including detailed formal credit analysis with recommendations for loan approval or denial. The Senior Credit Underwriter attends and presents loans to Credit Officers and/or Credit Committee(s) for approval.
• Conduct Annual Reviews of existing relationships and Annual Loan Covenant Compliance with consideration of Risk Rating accuracy. Manage outstanding ticklers, covenant monitoring, requesting financial items from clients, review and provide updates to lenders and management. Assist the Relationship Manager and Credit Administration on Past-Due loans, Watchlist credits and loan workouts, preparing Problem Loan Report as needed.
• Develop and maintain an acceptable turn-around time on all loan requests to sustain our reputation as a service-oriented and personable community bank.
• Act as a training resource for Relationship Managers and Junior Credit Underwriters related to understanding and interpreting financial statements and tax returns and upon request review the cash flow preparations and analysis of Relationship Managers and Junior Credit Analysts for correctness and completeness. Also reinforce the Bank’s commitment to sustaining high credit quality and strong credit culture.
• Participate in continuing education courses to stay abreast of new banking regulations.
• Maintain thorough knowledge of Bank’s credit policy and other Bank policies and procedures.
• Maintain a thorough knowledge of all our client's products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act;Privacy;Fair Lending;Regulation E;deposit, transaction and loan accounts
Qualifications:
Knowledge, Skills & Abilities
• Demonstrated analytical and problem-solving skills.
• Experience working in a fast-paced environment where required to prioritize and deal effectively with varying workloads and meet deadlines. Time management is critical.
• Proven experience working independently with assertive decision-making for loan recommendations.
• Exceptional communication skills required, both verbal and written, including courteous and professional interaction, establishing trust and maintaining productive relationships with customers, peers, relationship managers and bank management.
• Quickly grasps Bank analysis software and retains information.
• Experience with Abrigo Sageworks, and FIS Horizon (core system) platforms highly desired.
• Broad experience in C&I, CRE, SBA lending underwriting highly desired.
• Proficient with Microsoft Office Products –Word, Excel and Outlook.
Education & Experience
• Bachelor’s Degree in accounting, business or finance preferred.
• 5 years in Commercial Banking (e.G., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial lending), required
• 5 years of SBA Underwriting experience required.
This job description as with any other role may be an in-office or work-from-home position and may be subject to our work-from-home policy.
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
"We are GTN –The Go To Network"
You own it, are highly competitive, accountable and likely are a top performing credit underwriter specializing in business lending including: SBA (7A & 504), C&I and CRE loans
A top candidate may not be happy with their current employer’s culture, limited growth potential, tightening credit box, reduced loan growth or perhaps interested in exploring a change
Knowledge, Skills & Abilities
Demonstrated analytical and problem-solving skills
Experience working in a fast-paced environment where required to prioritize and deal effectively with varying workloads and meet deadlines
Time management is critical
Proven experience working independently with assertive decision-making for loan recommendations
Exceptional communication skills required, both verbal and written, including courteous and professional interaction, establishing trust and maintaining productive relationships with customers, peers, relationship managers and bank management
Quickly grasps Bank analysis software and retains information
Proficient with Microsoft Office Products –Word, Excel and Outlook
Education & Experience
5 years in Commercial Banking (e.G., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial lending), required
5 years of SBA Underwriting experience required
This job description as with any other role may be an in-office or work-from-home position and may be subject to our work-from-home policy
Benefits
Hourly / Salary: based on experience
Responsibilities
Review and spread business and personal financial information including leases and rent rolls received to provide detail for historical comparison and analysis
Document cash flows for operating business entities, real estate holding companies and individuals, as well as an overall global cash flow for loan analysis and loan approval
Produce projections, pro-forma statements and sensitivity analysis as appropriate
Identify and document exceptions to the Bank credit policy as well as pertinent mitigating factors
Prepare written and verbal presentations of financial information including detailed formal credit analysis with recommendations for loan approval or denial
The Senior Credit Underwriter attends and presents loans to Credit Officers and/or Credit Committee(s) for approval
Conduct Annual Reviews of existing relationships and Annual Loan Covenant Compliance with consideration of Risk Rating accuracy
Manage outstanding ticklers, covenant monitoring, requesting financial items from clients, review and provide updates to lenders and management
Assist the Relationship Manager and Credit Administration on Past-Due loans, Watchlist credits and loan workouts, preparing Problem Loan Report as needed
Develop and maintain an acceptable turn-around time on all loan requests to sustain our reputation as a service-oriented and personable community bank
Act as a training resource for Relationship Managers and Junior Credit Underwriters related to understanding and interpreting financial statements and tax returns and upon request review the cash flow preparations and analysis of Relationship Managers and Junior Credit Analysts for correctness and completeness
Also reinforce the Bank’s commitment to sustaining high credit quality and strong credit culture
Participate in continuing education courses to stay abreast of new banking regulations
Maintain thorough knowledge of Bank’s credit policy and other Bank policies and procedures
Maintain a thorough knowledge of all our client's products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act;Privacy;Fair Lending;Regulation E;deposit, transaction and loan accounts
Job description
Senior SBA Loan Underwriter
Highlights:
Location: Phoenix, AZ
Position Type: Direct hire
Hourly / Salary: based on experience
Residency Status: US Citizen
On-site (Phoenix, AZ)
Our client is looking for a Senior SBA Loan Underwriter to join their team!
Position Summary:
You own it, are highly competitive, accountable and likely are a top performing credit underwriter specializing in business lending including: SBA (7A & 504), C&I and CRE loans. A top candidate may not be happy with their current employer’s culture, limited growth potential, tightening credit box, reduced loan growth or perhaps interested in exploring a change.
You have a passion for helping small businesses. Ethics, integrity, building trust, delivering on your promises, and delivering results for your small business clients is of paramount importance to you. You are intrigued to learn about our client's technology - the proprietary consultative services and technology we invented and provide to business owners, helping you maximize accepted LOI’s with a competitive differentiator not offered by any other bank in the USA.
You are also excited that our client is ranked as the #1 top-performing bank among all Arizona-based banks in key measures like: Loan Growth #1, Deposit Growth #1, and Net Interest Margin #1.
As a Preferred Lender, the SBA recently ranked our client as the #1 Arizona-based bank over the past 12 months, funding a higher dollar amount of SBA loans than Bank of America and Western Alliance banks. To support this rapid growth, we are hiring!
You either live in the Phoenix Arizona metro area or have family or friends and are interested in being based here. If this sounds like you, please keep reading and we encourage you to apply.
Responsibilities:
• Review and spread business and personal financial information including leases and rent rolls received to provide detail for historical comparison and analysis.
• Document cash flows for operating business entities, real estate holding companies and individuals, as well as an overall global cash flow for loan analysis and loan approval.
• Produce projections, pro-forma statements and sensitivity analysis as appropriate.
• Identify and document exceptions to the Bank credit policy as well as pertinent mitigating factors.
• Prepare written and verbal presentations of financial information including detailed formal credit analysis with recommendations for loan approval or denial. The Senior Credit Underwriter attends and presents loans to Credit Officers and/or Credit Committee(s) for approval.
• Conduct Annual Reviews of existing relationships and Annual Loan Covenant Compliance with consideration of Risk Rating accuracy. Manage outstanding ticklers, covenant monitoring, requesting financial items from clients, review and provide updates to lenders and management. Assist the Relationship Manager and Credit Administration on Past-Due loans, Watchlist credits and loan workouts, preparing Problem Loan Report as needed.
• Develop and maintain an acceptable turn-around time on all loan requests to sustain our reputation as a service-oriented and personable community bank.
• Act as a training resource for Relationship Managers and Junior Credit Underwriters related to understanding and interpreting financial statements and tax returns and upon request review the cash flow preparations and analysis of Relationship Managers and Junior Credit Analysts for correctness and completeness. Also reinforce the Bank’s commitment to sustaining high credit quality and strong credit culture.
• Participate in continuing education courses to stay abreast of new banking regulations.
• Maintain thorough knowledge of Bank’s credit policy and other Bank policies and procedures.
• Maintain a thorough knowledge of all our client's products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act;Privacy;Fair Lending;Regulation E;deposit, transaction and loan accounts
Qualifications:
Knowledge, Skills & Abilities
• Demonstrated analytical and problem-solving skills.
• Experience working in a fast-paced environment where required to prioritize and deal effectively with varying workloads and meet deadlines. Time management is critical.
• Proven experience working independently with assertive decision-making for loan recommendations.
• Exceptional communication skills required, both verbal and written, including courteous and professional interaction, establishing trust and maintaining productive relationships with customers, peers, relationship managers and bank management.
• Quickly grasps Bank analysis software and retains information.
• Experience with Abrigo Sageworks, and FIS Horizon (core system) platforms highly desired.
• Broad experience in C&I, CRE, SBA lending underwriting highly desired.
• Proficient with Microsoft Office Products –Word, Excel and Outlook.
Education & Experience
• Bachelor’s Degree in accounting, business or finance preferred.
• 5 years in Commercial Banking (e.G., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial lending), required
• 5 years of SBA Underwriting experience required.
This job description as with any other role may be an in-office or work-from-home position and may be subject to our work-from-home policy.
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
"We are GTN –The Go To Network"
💡 Quick Summary
Seeking a career-building opportunity? The Senior SBA Loan Underwriter position is now open for candidates interested in the Bank Jobs sector. This role in Phoenix offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.