Credit Analyst

Current Employees of Happen Bank:
Please apply via your internal Workday Account Happen Bank (formerly Lending Club) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community.

Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role Happen Bank is seeking a Credit Analyst to support our Small Business Lending team by underwriting SBA and USDA loan requests that help small businesses grow while maintaining strong credit quality and regulatory  this role, you'll partner closely with Business Development Officers, Senior Credit Officers, Loan Closing, and clients throughout the lending lifecycle. You'll evaluate complex credit requests, structure financing solutions, and help deliver timely lending decisions that balance customer needs with sound risk management.

What You'll DoUnderwrite SBA 7(a), 504, USDA, and conventional commercial loan requests, ensuring compliance with Bank Credit Policy, SBA Standard Operating Procedures (SOP), and applicable program requirements

Partner with Business Development Officers and clients to gather documentation, evaluate lending opportunities, and structure loan requests for efficient underwriting and approval

Analyze financial statements, cash flow, collateral, and third-party reports to assess creditworthiness, SBA eligibility, and overall lending risk Collaborate with Senior Credit Officers to prepare credit approvals, post-approval memorandums, and re-approval requests while supporting complex underwriting decisions

Partner with Loan Closing teams to ensure loans are funded efficiently and all credit approval conditions, third-party reports, and closing requirements are satisfied

Build strong working relationships across Lending, Credit, Loan Closing, and external partners to deliver a consistent, high-quality client experience

Identify opportunities to improve underwriting workflows and leverage AI where appropriate to accelerate analysis, streamline processes, and improve decision quality while maintaining sound judgment and regulatory compliance

About You3–5 years of experience underwriting SBA and USDA loans; bachelor's degree or higher, or equivalent combination of education and work experience

Working knowledge of SBA Standard Operating Procedures (SOP) and SBA lending programs

Experience analyzing business financial statements, cash flow, collateral, and credit structures to support sound lending decisions

Experience reviewing third-party reports, including appraisals, environmental reports, and business valuations

Strong written and verbal communication skills with the ability to build trusted relationships across internal teams, clients, and external partners

Strong analytical thinking and sound judgment when balancing client needs, credit quality, and regulatory requirements

Proficiency with Microsoft Word, Excel, cash flow analysis software, and other credit underwriting tools

You proactively identify opportunities to improve how work gets done and take ownership of delivering accurate, timely credit decisions

You actively look for ways AI can improve your work—from accelerating analysis to simplifying workflows and exploring problems from a different perspective. You're thoughtful about accuracy, confidentiality, and where human judgment remains essential

Work Location Remote Time  Zone Requirements Local hours (PT, MT, CT, ET)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation The target base salary range for this position is ,000. The base salary of the role will be determined by job-related knowledge,…