VP​/SVP, Commercial Credit Officer

On behalf of our client, a premier regional bank with a strong commitment to small business growth, we are seeking an experienced Senior Credit Officer
. This role is critical in maintaining the quality and integrity of the bank’s SBA loan portfolio (primarily 7(a) and 504 programs). You will serve as a key decision-maker, ensuring that all credit requests align with both internal bank policy and the specific requirements of the Small Business Administration.

The ideal candidate possesses a deep understanding of the SBA Standard Operating Procedures (SOP) and has a proven track record of underwriting complex commercial credits while navigating the nuances of government-guaranteed lending.

• Underwriting & Analysis: Conduct thorough credit analysis of SBA 7(a) and 504 loan applications. This includes evaluating financial statements, tax returns, cash flow projections, and collateral adequacy.
• SOP Compliance: Ensure all loan structures and eligibility requirements strictly adhere to the most current SBA SOP 50 10 guidelines to protect the bank’s guarantee.
• Risk Assessment: Identify key risks within credit requests and propose mitigants or structural changes to align with the bank’s risk appetite.
• Credit Memoranda: Prepare comprehensive written credit memorandums that clearly communicate the credit story, repayment capacity, and overall risk rating to the Credit Committee.
• Portfolio Management: Monitor the ongoing health of the SBA portfolio, including annual reviews, covenant tracking, and identifying early warning signs of credit deterioration.
• Collaboration: Work closely with SBA BDOs (Business Development Officers) and Packagers to streamline the approval process while maintaining high credit standards.

• Education: Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Experience: Minimum of 5–7 years of experience in commercial credit underwriting, with at least 3 years specifically focused on SBA lending
  .
• Technical Knowledge: Mastery of SBA eligibility requirements, including "Credit Elsewhere" tests, equity injection verification, and affiliation rules.
• Analytical
  
  Skills:
  
  Strong ability to spread financial statements and perform global cash flow analysis for complex borrowing entities.
• Communication: Excellent written and verbal communication skills; ability to present complex credit scenarios to executive leadership.