Senior SBA & USDA Underwriter

Position Summary

The Senior SBA& USDA Underwriter is responsible for the independent underwriting,structuring, analysis, and recommendation of complex government guaranteedcommercial loan requests in accordance with SBA SOP requirements, USDA guidelines, bank credit policy, and prudent commercial lending practices.

This position plays a critical role in maintaining credit quality, regulatory compliance,portfolio performance, and operational efficiency within a high-performing

Government Guaranteed Lending (“GGL”) platform. The ideal candidate possessesadvanced technical expertise in SBA 7(a), SBA Express, USDA B&I, and related government guaranteed lending programs, while also demonstrating strong business judgment, communication skills, and the ability to operate in a fast-paced, production-oriented environment consistent with one of the nation’stop SBA lenders.

The Senior Underwriter serves as a key resource to lenders, credit administration,closing, servicing, and executive management while helping drive growth,consistency, and credit culture throughout the organization.

The ideal candidate combines elite-level government guaranteed lending expertise with strong business acumen, sound credit judgment, operational discipline, and acollaborative leadership style. This individual thrives in a high-performancelending environment focused on growth, compliance, credit quality, and exceptional client service.

Essential Duties and Responsibilities

(Other duties may be assigned.)

Credit Underwriting & Analysis

• Independently underwrite complex SBA 7(a), SBAExpress, USDA B&I, and related government guaranteed loan requests.
• Analyze borrower financial statements, tax returns, projections, global cash flow, debt service capacity, collateralcoverage, liquidity, guarantor support, and repayment ability.
• Assess business risk, industry trends, managementstrength, succession considerations, and operational viability.
• Structure transactions in accordance with SBASOP, USDA program requirements, bank credit policy, and safe and soundbanking practices.
• Perform detailed collateral analysis including real estate, business assets, special purpose collateral, and constructionlending scenarios.
• Evaluate equity injection requirements, sourceand seasoning of funds, and eligibility of contributed assets.
• Analyze franchise eligibility, affiliation, sizestandards, ownership structures, and organizational documentation.
• Review environmental, appraisal, insurance, andlegal requirements associated with government guaranteed lending.
• Prepare comprehensive written credit memorandumsand recommendation packages for approval authorities and loan committees.
• Present and defend loan recommendations to senior management and credit committees when necessary.

Government Guaranteed Program Compliance

• Maintain expert-level knowledge of current SBASOPs, USDA regulations, policy notices, procedural updates, and program changes.
• Ensure all loans meet SBA and USDA eligibility,underwriting, documentation, and compliance requirements.
• Assist in maintaining the bank’s Preferred Lender Program (“PLP”) standards and USDA lending authority requirements.
• Identify and mitigate potential guaranty repairor denial risks during underwriting.
• Work closely with internal audit, quality control, compliance, and loan operations teams to ensure adherence to regulatory standards.
• Assist with responses to SBA, USDA, internal audit, and regulatory examination findings as needed.

Leadership& Collaboration

• Serve as a technical resource and mentor tojunior underwriters, analysts, lenders, and support staff.
• Promote consistency in underwriting standards andcredit culture across the organization.
• Partner closely with business development officers, closers, portfolio managers, and loan operations…