Position Summary
The Financial Analyst will perform financial, credit, statistical, and portfolio-risk analyses supporting SBA’s oversight of participating 7(a) lenders. The analyst will evaluate lender performance, delegated-authority eligibility, financial condition, regulatory developments, and emerging risks and will develop technically accurate workpapers, reports, and recommendations.
Key Responsibilities
- Perform financial and statistical analyses of SBA lender performance.
- Support delegated-authority renewals, nominations, add-ons, and re-delegations.
- Plan, coordinate, and conduct Desktop Reviews and related risk assessments.
- Evaluate lender eligibility and continuing qualification for delegated authority.
- Analyze lender financial statements, portfolio performance, credit quality, capital, liquidity, asset quality, reserves, concentrations, and emerging risks.
- Develop analytical workpapers, reports, memoranda, charts, and briefings.
- Identify operational weaknesses and recommend policy, procedure, control, or risk-mitigation improvements.
- Evaluate 7(a) lender portfolios and emerging risks to SBA’s loan portfolio.
- Monitor lender renewals, review results, corrective actions, and required follow-up.
- Assess public enforcement actions and supervisory findings issued by federal and state regulators.
- Review mergers and acquisitions for potential SBA guaranty-transfer implications.
- Review the work of other contractor personnel for quality, completeness, accuracy, and regulatory compliance.
- Coordinate monthly, quarterly, and annual analytical deliverables with the On-Site Supervisor.
- Provide technical guidance to internal and external stakeholders on lender-risk, policy, and procedural matters.
- Protect confidential lender, borrower, and Government information.
Minimum Qualifications
- Bachelor’s degree in finance, accounting, economics, business administration, or a closely related field.
- For a developing Financial Analyst: approximately one to two years of specialized financial, credit, portfolio, banking, regulatory, Government, or financial-services experience.
- For a senior Financial Analyst: three or more years of progressively responsible experience conducting complex financial-risk, credit, portfolio, or lender-oversight analysis.
- Experience evaluating financial condition, creditworthiness, repayment capacity, portfolio performance, or regulatory compliance.
- Experience preparing analytical workpapers, reports, memoranda, and briefing materials.
- Strong knowledge of financial-statement analysis, credit risk, commercial lending, and portfolio-risk principles.
- Advanced Excel and data-analysis skills.
- Strong written and verbal communication skills.
- Ability to work independently on complex assignments with minimal supervision.
Preferred Qualifications
- Master’s degree in finance, economics, accounting, business administration, or a related discipline.
- CFA, FRM, CPA, or comparable professional certification.
- Experience with the SBA 7(a) or 504 Loan Programs.
- Experience with Government-guaranteed lending or delegated-lender programs.
- Experience with SBA OCRM, delegated authority, Desktop Reviews, CAFS, or the SBA Lender Portal.
- Experience reviewing commercial or small-business loan portfolios.
- Knowledge of regulatory capital, liquidity, asset quality, loan-loss reserves, nonaccruals, charge-offs, and risk-rating systems.
Summary of Benefits
- 15 PTO days
- 11 paid holidays
- Medical Insurance with – 3 options (HSA with $600 Employer Contribution).
- Dental Insurance with no age limit orthodonture.
- Vision Insurance through EyeMed in and out of network coverage.
- Short Term and Long-Term Disability coverage with 100% premium support,
- Life insurance and AD&D with 100% premium support
- Supplemental Life Insurance
- Critical Care and Accident Insurance availability
- Pet Insurance through Nationwide
- Employee Assistance Program
- 401k with enrollment from day one. 4% deferral by company.
- $1500 Annual Training Budget
- $1500 Referral bonus
- Eligibility for annual merit and discretionary bonus
- Flexible work arrangements
Equal Opportunity Employer Minority/Female/Veterans/Disabled