Credit Executive II

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.

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The Credit Executive II, under the direction of the Sr Credit Manager, will review credit applications, analyze relevant credit information, and structure requests to obtain final loan approval. The Credit Executive II is also responsible for preparing memorandums and credit analysis through the loan approval process with timely and accurate due diligence. The credit executive II is also responsible for coaching and mentoring other SBA Credit Underwriters.

Some travel may be required.

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 initial loan application packages from Sales to determine eligibility and additional required documentation.
• Structure loan package to fit within minimum requirements of products available.
• Have knowledge of Business and Personal Tax Returns, Interim Financials, Bank Statements etc.
• Decision loan files (decline, suspend, or submit for approval).
• Run all background checks for business and merchants.
• Review 3rd party reports (Credit report, Business Experian, CAIVRS etc.).
• Set‑up calls and discuss file with client (initial interview).
• Review completed file for underwriting. Ensure all information is received prior to underwriting.
• Underwrite the transaction and prepare package for third party approval.
• Perform other duties as assigned to support the efficient and effective operation of the department and that help to make Lendistry the best place to work.

• Minimum 8+ years of relevant experience and in-depth understanding of SBA, Commercial C&I and real estate financing, and closing procedures.
• Expert knowledge of SBA Standard Operating Procedures.
• Minimum bachelor’s degree. Finance, accounting, or Business Administration focus is preferred.
• Ability to manage and underwrite complex transactions with limited guidance.
• Strong knowledge of financial services.
• Outstanding communication and relationship management skills.
• Excellent verbal and written communication skills.
• Advanced computer proficiency.
• Ability to travel, work flexible schedules, and cover different locations, if requested.
• Bilingual English‑Spanish preferred.
• Attain customer satisfaction.
• Ability to structure and analyze complex commercial credit transactions.
• Excellent verbal and written communication skills.
• Sophisticated word processing and computer database skills, especially in Microsoft Word and Excel.
• Thorough knowledge of accounting principles, financial statement analysis, and banking operations and regulations.
• Good interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels, ability to work independently and as part of a team.
• Strong analytical ability with active listening skills.
• Willingness to adapt to changing business needs and deadlines, including extended work hours.
• Exhibit a professional, business‑like appearance and demeanor.

• Comprehensive Medical, Dental, and Vision Insurance
• Generous Paid Time Off
• Birthday Day Off
• 12 Paid Company Holidays
• 401(k) Match
• FSA and HSA
• Paid Life Insurance
• Paid Disability Insurance
• Pet Insurance
• Employee Assistance Program (EAP)
• Professional Development Courses In Office Provided Snacks and Drinks
• Gym Facilities (LA & Tustin/CEC Offices)
• In Office Engagement Activities

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