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SBA Lending Credit Underwriter

Job in Greenville - Greenville County - SC South Carolina - USA , 29617
Company: Home Trust Banking Partnership
Contract position
Listed on 2021-02-24
Job specializations:
  • Finance
    Loan Officer, Mortgage Underwriter, Credit Control Manager, Corporate Credit
  • Banking
    Loan Officer, Mortgage Underwriter, Credit Control Manager, Corporate Credit
Job Description & How to Apply Below
HomeTrust Bank is GROWING!

We have employees throughout North Carolina, South Carolina, Tennessee, and Virginia. HomeTrust Bank ranks among the top 400 U.S. Banks with $3.7 billion in assets as of June 30, 2020 and is the 2nd largest community bank headquartered in North Carolina. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Role Summary

This SBA Credit Underwriter will work closely with SBA/USDA Relationship Managers to underwrite and provide an eligibility review of credit relationships of varying complexity that qualify for an SBA and/or a USDA guaranty. As applicable, this position will also use expertise to assist and mentor other employees as a resource on appropriate underwriting, credit assessment, risk identification and eligibility for government guarantees.

This position may provide preliminary screening and analysis to be discussed with the bank's Senior SBA/USDA Credit Products Manager as to whether the borrower and loan structure qualify for an SBA/USDA guaranty. Other duties will also include assistance with Portfolio Management and Annual Review completion depending on capacity, volume and need.

Key Responsibilities / Essential Functions

* Maintain a comprehensive knowledge of the SBA and USDA lending programs, their respective Standard Operating Procedures, and other government guaranty programs as deemed necessary.
* Prepare financial spreads, projections, cash flow worksheets and risk rating matrixes.
* Analyze financial statement trends appropriate to the type of borrower and/or guarantor along with management, industry and market risk in order to fully vet the risk in the credit.
* Analyze proposed structure of credit for credit risk, SBA eligibility and compliance.
* Work closely with Relationship Managers and directly with Borrowers throughout underwriting, working in both advisory and supportive capacities as appropriate.
* Work closely with assigned packaging and closing team throughout underwriting and closing process.
* Articulate the key financial trends, borrower, guarantor and global cash flows along with the key non-financial risks of the credit request to meet the Bank's and government program requirements; must be able to present this information in a well-organized narrative credit analysis with little to no guidance necessary.
* Has skill set to recognize the depth of underwriting required for the complexity and/or type of request.
* Ability to complete an eligibility review and sign off of government guaranteed credits.
* Draft, review and sign off on SBA 1920's and Authorizations as necessary for GP and PLP loans.
* Help draft and complete responses to Screen-Outs and 327 Modifications.
* Underwriting of credit to include recommendation to the Senior SBA/USDA Credit Products Manager and Senior Credit Officer with suggested loan structure, risk rating and ongoing monitoring as needed to successfully manage ongoing credit and operational risk going forward.
* Serve as a resource in terms of answering questions and/or a general sounding board on the SBA and USDA lending programs as needed.
* As needed, complete Annual Reviews per Bank and SBA/USDA policies and procedures, reassess risk grades, and perform ongoing monitoring.
* Perform other duties as requested.

Your Experience

* An Associate's degree in business or related field; or an equivalent combination of education and experience within a loan operation environment.
* 2+ years experience in SBA Loan Underwriting and 5+ years in Banking preferred.
* Strong understanding of SBA programs, Standard Operating Procedure underwriting requirements, E-Tran and loan scoring parameters.
* Proficient with Microsoft Office, including Excel. Thorough background with a core banking system.
* Demonstrated ability to handle multiple tasks simultaneously. Exceptional organization skills.
* Ability to understand and use Bank policies and procedures to ensure operational efficiency and regulatory compliance in conjunction with the SBA's Standard Operating Procedures and USDA's Policies and Procedures.
* Proven underwriting and decision-making experience, with a demonstrated track record of effective problem solving. Successful track record in managing credit risk. Experience in commercial loan documentation and portfolio management highly desired.
* Must have excellent communication and interpersonal skills, strong organizational and time management skills, and ability to work independently to meet deadlines while managing multiple projects/processes.
* Ability and willingness to work directly with Borrowers on credit requests and underwriting questions.
* Is accessible to staff and Borrowers, works with a sense of urgency, and treats all employees with respect.
* Self-starter and can work independently.
* Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.


Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

* This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
* While performing the duties of this job, the employee is regularly required to talk or hear.
* Physical activity requiring reaching, sifting, lifting, finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank is an equal opportunity employer. We are committed to providing equal employment opportunities for all employees without regard to sex, race, color, religion, national origin, age, disability, sexual orientation, genetic information, or veteran status.
Position Requirements
Less than 1 Year work experience
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