SBA Underwriter​/Credit Analyst II

SBA Underwriter/Credit Analyst II - Gesa Credit Union

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Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. It’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Gesa Credit Union is seeking a highly motivated, detail-oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter reports to the SBA Lending Manager and is a critical function in the SBA loan origination process. The position is responsible for ensuring SBA program eligibility in concurrence with SBA underwriting standards and guidelines, performing financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs.

The underwriter will assist in completing loan approval packages, obtain necessary documentation, conduct quality assurance prior to SBA loan closing, perform annual reviews, industry risk analysis, and other related tasks required to support the SBA Department.

• Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.
• Maintain a working knowledge of SBA loan programs.
• The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations & holidays.
• Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant’s credit worthiness.
• Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests following bank underwriting guidelines along with SBA requirements.
• Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.
• Request SBA terms and conditions through SBA’s etran system or other means.
• Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. to fulfill underwriting loan request.
• Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.
• May participate in customer and prospect calls with the SBA Relationship Manager.
• Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

• Ability to perform financial statement and tax return analysis and calculate basic financial ratios.
• Provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone, or electronic communication.
• Participate in and support a team environment.
• Display respect for diversity; treat people with respect, keep commitments, and maintain a high level of integrity.
• Good interpersonal skills and team orientation.
• Communicate with supervisor regarding matters of account or lending concern.
• Lead by example by always displaying solid ethics and integrity.
• Assist all team members when necessary to meet borrower expectations and department goals.
• Demonstrate willingness to learn and grow within a dynamic and challenging environment.
• Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
• Maintain a professional work environment and work under restricted time constraints.
• Demonstrate support of corporate values, mission, and vision;…