SBA Underwriter/Credit Analyst

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At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us: About - Gesa Credit Union

Role Summary:

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.

What You Will Be Doing:

• Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP
• Maintain a working knowledge of SBA loan programs
• Analyze personal and business credit data, financial statements, and tax returns with a sound understanding of financial ratio analysis
• Request and review other information that includes accounts receivable aging reports, accounts payable aging reports, financial projections, and other related reports
• Prepare and recommend credit packages for management and loan committee
• Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software
• Demonstrate a general knowledge of construction loans and leasehold improvement loans
• Assist all team members when necessary to meet the borrower expectations and department goals
• Demonstrate a willingness to learn and grow within a dynamic and challenging environment
• Assist SBA management with special projects as assigned
• Pull and review credit reports for business and personal borrowers/guarantors
• Participate in outside training, seminars, webinars, and other training to remain current and aware of new growth opportunities
• Submit 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 goals
• The underwriter may need to communicate with the borrower to complete SBA forms 1919 and 413
• Assist 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 request
• Review the credit approval document once completed by the SBA Relationship ManagerThey will begin the initial draft and enter information into the loan origination system
• Ensure 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 system
• Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters
• Assist SBA Relationship Managers with portfolio monitoring activities including annual loan reviews and problem loan reports
• Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities
• Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities
• Maintain a professional work environment and work under restricted time constraints
• Maintain awareness of state and federal laws, regulations, and Gesa's member business lending policies and procedures
• Demonstrate support of corporate values, mission and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge
• Manage areas of responsibility, perform duties and control risk in a safe and sound manner
• Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity

About You:

• To perform financial statement and tax return analysis and calculate basic financial ratios
• To provide knowledgeable, professional, friendly service to all members
• To maintain up-to-date and comprehensive knowledge of all credit union products, SBA SOP, services, policies and procedures
• Strong oral and written communication skills; strong analytical and research skills
• To participate in and support a team environment
• To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity
• To effectively communicate and receive ideas and information
• To possess and display excellent customer service attributes
• To communicate with supervisor regarding matters of account or lending concern
• To maintain a positive and professional image through effective verbal and written communication