Credit Executive

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Lendistry does not accept unsolicited resumes from recruiters, employment agencies, or staffing firms. To conduct business with Lendistry, a Master Services Agreement (MSA) must be executed and confirmed prior to submitting any information relating to a potential candidate. Without a signed MSA, Lendistry shall not be responsible to any individual or entity for any payment relating to any form of fee or compensation.

And, in the event that a resume or candidate is submitted by a recruiter, an employment agency, or a staffing firm without a fully executed MSA, Lendistry has the unrestricted right to pursue and hire any of those candidate(s) without any legal or financial responsibility to the recruiter, agency, and/or firm.

A seasoned credit professional responsible for underwriting, structuring, and credit decisioning of small business and commercial loan transactions across multiple lending products, including SBA (7(a) and 504), C&I, CRE, and specialty/state-supported programs. This role operates with moderate independence, manages moderately complex credit transactions, and serves as a key risk partner to Sales, Operations, and Credit Leadership. The Credit Executive II also provides guidance and support to junior underwriters and may assist Credit Managers with escalations, quality control, and pipeline management.

We’re proud to be the nation’s largest minority-led, tech-savvy lender for small businesses and commercial real estate. As a certified Community Development Financial Institution (CDFI) and Community Development Entity (CDE), our mission is all about creating economic opportunities and fueling growth for small business owners and their communities. Join us as we pave the way with innovative financing and financial education!

• Review and analyze loan applications for eligibility, creditworthiness, and compliance with internal policies and applicable program guidelines (including SBA SOPs).
• Perform financial analysis of business and personal tax returns, interim financials, cash flow, collateral, global debt service, and guarantor support.
• Underwrite transactions across multiple products, including SBA, C&I, CRE, and mission-driven lending programs.
• Structure loan requests aligned with product requirements, risk appetite, and regulatory standards.
• Review third-party reports, including credit reports, business credit, background checks, CAIVRS, and other required due diligence.

• Prepare clear, well-supported credit memorandums and recommendations for approval, decline, or suspension.
• Exercise delegated credit authority where applicable; otherwise, submit transactions to senior credit leadership or credit committee.
• Review and approve Credit Action Memos and Commitment Letters within assigned authority.
• Ensure loan files are complete, accurate, and audit-ready prior to closing or approval submission.

• Conduct borrower interviews and participate in deal calls to clarify financial performance, business operations, and risk factors.
• Partner closely with Sales, Closing, Operations, and Compliance to support timely loan processing and decisioning.
• Escalate material risks, policy exceptions, or regulatory concerns to Credit Management.

• Provide coaching, file-level guidance, and technical support to junior underwriters and analysts.
• Assist senior credit leadership during peak volumes, pipeline reviews, audits, or special initiatives.
• Support continuous improvement of underwriting processes and credit quality standards.

• Ensure all credit decisions…