Credit Executive

Lendistry is an Equal Opportunity/Affirmative Action Employer. We consider applicants without regard to race, color, religion, age, national origin, ancestry, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, disability, genetic information, or membership in any other group protected by federal, state, or local law.

The Credit Executive I is 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.

• 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 comply with internal credit policy, SBA SOPs, SSBCI guidelines (where applicable), and federal, state, and local regulations.
• Participate in internal audits, reviews, and exam requests related to credit and underwriting activities.
• Maintain working knowledge of evolving regulatory and program requirements.

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 3–5 years of progressive credit underwriting experience across multiple lending products, including SBA loans.
• Demonstrated experience underwriting small business, C&I, and/or CRE transactions.
• Exposure to regulated lending environments preferred (SBA, CDFI, bank, or non‑bank lender).
• Strong knowledge of financial statement analysis, cash flow modeling, and credit risk assessment.
• Working knowledge of SBA loan programs (7(a) and/or 504) and related compliance standards.
• Ability to independently manage and underwrite moderately complex transactions.
• Strong written and verbal communication skills, including clear credit narratives.
• Proficiency in Microsoft Excel and Word; familiarity with loan origination systems and CRM tools (e.g., Salesforce) preferred.
• Strong organizational skills with the ability to manage…