Credit Management - SBA Senior Credit Approval Officer

Credit Management - SBA Senior Credit Approval Officer

Join to apply for the Credit Management - SBA Senior Credit Approval Officer role at Community Banks of Colorado.

It starts with our culture. Common sense has never been common. When a banker looks at a client, we see more than a number – we see a dad, a mom, a graduate, or a business owner. Our bankers understand the complexities of people’s lives and offer simple solutions. The basics of our culture are Relationships, Fairness, and Simplicity®. We believe in equity, diversity, and inclusion and are committed to the growth, revitalization, and sustainability of the communities we serve.

This position is ideal for someone looking to build a career in finance. We provide training and coaching throughout your onboarding experience and throughout the job. As you demonstrate success, there will be opportunities for advancement within our organization.

As an SBA Senior Credit Approval Officer, you will support SBA Business Development Officers and Bankers in structuring and analyzing SBA transactions for existing and prospective clients. SBA lending includes complex structures for business acquisition, working capital, real‑estate acquisition and construction, debt refinance, and asset acquisition.

Ensure the overall credit quality of the SBA portfolio throughout the NBH footprint through sound and diligent underwriting in multiple channels within the bank. Facilities include SBA Express, 7a Small Loans, 7a Standard Loans, 504 transactions, CAPLine and other SBA products.

Underwrite new SBA credit requests in conjunction with internal and external regulation and compliance requirements, including but not limited to NBH Credit Policy, NBH SBA Credit Policy, SBA SOP (Origination Manual), SBA SOP (Servicing Manual), BSA, OFAC, and applicable federal and state laws.

Review application documents, spread financials, analyze financial performance and metrics, identify credit risks and mitigating factors, and review third‑party reports such as credit bureau data, appraisals, or valuations from initial analysis through closing. Assist in loan closing, including satisfying closing conditions of approval, documentation, and equity injection reviews.

• Bachelor’s degree in finance, accounting, economics or a related field or equivalent combination of education and experience.
• 7+ years of relevant experience in business and/or commercial banking, preferably with SBA products.
• Capacity to work with multiple computer and software systems including Microsoft Office and web‑based applications.

• SBA lending knowledge, including eligibility requirements, underwriting rules and guidelines, and product specifics.
• Completed formal credit training program or equivalent.
• Capacity to work with bank‑centered computer and software systems such as FIS, Moody’s Credit Lens, and Capitalstream.
• Advanced knowledge of related state and federal loan regulations and other bank lending policies.
• Effective presentation and communication skills with managers, clients, and the public.
• Proficiency with MS Office applications including Outlook, Word, Excel, and PowerPoint.
• Advanced math skills for calculating interest, commissions, rates, ratios, and percentages.
• Strong written and verbal communication skills and the ability to interpret documents and write reports.
• Analytical thinking to assess complex business financials for risk and research.
• Self‑starter with strong work ethic and the ability to work independently and collaboratively.
• Time‑management and organizational skills to handle multiple tasks simultaneously.

• In‑office setting with traditional hours.
• Rapid pace for long periods of time (typically no longer than 8 hours). Overtime may be required.
• Physical ability to perform tasks such as lifting, bending, twisting, and holding items for extended periods.

In addition to your financial compensation, we offer a generous benefits package that includes insurance, 401(k), an associate stock purchase program, paid time off, and associate banking perks.

• Seniority level:
  Mid‑Senior level
• Employment type:
  
  Full‑time
• Job…