SBA Underwriter/Credit Analyst
Job in
Yakima, Yakima County, Washington, 98901, USA
Listing for:
Gesa Credit Union
Full Time
position
Listed on 2026-07-05
Job specializations:
-
Finance & Banking
Financial Analyst, Credit Analyst, Risk Manager/Analyst, Underwriter
Job Description & How to Apply Below
SBA Underwriter/Credit Analyst
The SBA Underwriter/Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter/Credit Analyst will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a) and SBA Express loan products. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review.
The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. This position will assist in the completion of loan approval packages, assisting the SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter/Credit Analyst will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete 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 SOPMaintain a working knowledge of SBA loan programsAnalyze personal and business credit data, financial statements, and tax returns with a sound understanding of financial ratio analysisRequest and review other information that includes accounts receivable aging reports, accounts payable aging reports, financial projections, and other related reportsPrepare and recommend credit packages for management and loan committeeAssemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping softwareDemonstrate a general knowledge of construction loans and leasehold improvement loansAssist all team members when necessary to meet the borrower expectations and department goalsDemonstrate a willingness to learn and grow within a dynamic and challenging environmentAssist SBA management with special projects as assignedPull and review credit reports for business and personal borrowers/guarantorsParticipate in outside training, seminars, webinars, and other training to remain current and aware of new growth opportunitiesSubmit SBA related forms and documents as needed including but not limited to:
Prepare and submit Tax Transcripts with initial review and reconciliation, submit borrower data to CAIVRS, other forms and documents as assigned in fulfillment of the SBA department goalsThe underwriter may need to communicate with the borrower to complete SBA forms 1919 and 413Assist SBA Loan Production Assistant/Closer in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc in fulfillment of underwriting loan requestReview the credit approval document once completed by the SBA Relationship Manager They will begin the initial draft and enter information into the loan origination systemEnsure that all credit files include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler systemAssist SBA Relationship Managers in preparing letters of interest and loan commitment lettersAssist SBA Relationship Managers with portfolio monitoring activities including annual loan reviews and problem loan reportsMust understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilitiesAttend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilitiesMaintain a professional work environment and work under restricted time constraintsMaintain awareness of state and federal laws, regulations, and Gesa's member business lending policies and proceduresDemonstrate support of corporate values, mission and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulationsMaintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledgeManage areas of responsibility, perform duties and control risk in a safe and sound mannerDisplay mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrityAbout You:To perform financial statement and tax return analysis and calculate basic financial ratiosTo provide knowledgeable, professional, friendly service to all membersTo maintain up-to-date and comprehensive knowledge of all credit union products, SBA SOP, services, policies and proceduresStrong oral and written communication skills; strong analytical and…
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