SBA Credit Analyst

Overview

The SBA Credit Analyst will support the SBA associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Manager of SBA Credit Administration of the bank and work closely with Senior Credit Officers to minimize risk and help grow revenue for the bank.

The SBA Credit Analyst will be crucial in completing timely annual reviews of the bank’s largest loan customers.

• 10% Insure loan packages are complete according to bank policy.
• 25% Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns).
• 20% Determine business and global cash flow of commercial borrowers.
• 15% Perform analysis on diverse types of collateral.
• 5% Assist lenders in determining the most appropriate loan structure.
• 5% Partner with SBA bankers in completing credit memorandums for various sized businesses and requests.
• 10% Collaborate with SBA bankers and Senior Credit officers to complete annual reviews on large borrowers.
• 5% Assist Chief Credit Officer with regulatory compliance.
• 5% Other duties as assigned.

Bachelor's degree and 2 years of experience in Small Business Administration lending or an equivalent combination of education and experience.

• Experienced in reading balance sheets, income statements, credit reports, personal financial statements.
• Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis.
• Ability to locate and use relevant industry analysis.

Excellent computer skills including experience with proprietary bank software and Microsoft Office.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

Affirmative Action/Equal Employer