Description:

The primary role will be to assist with the credit analysis and underwriting function of government guaranteed loans.  This position reports directly to the SVP/SBA Department Manager and requires minimal supervision. 

Duties:

• Collect, analyze and evaluate financial and related data to determine credit worthiness of loan prospects, merit of the request and SBA/USDA eligibility.

• Ability to interpret financial statements, tax returns and projections. Perform analysis of cash flow, global cash flow, financial capacity and collateral requirements.

• Prepare high-quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks.

• Prepare and decision loan requests within established time-lines in accordance with the Bank’s Loan Policy and procedures.

• Consult with SVP/SBA Department Manager to recommend proper loan structuring that limits risk to the Bank.

• Order and review third-party reports, appraisals and valuations (real estate, equipment, business, etc.), environmental reports, IRS Transcripts, and CAIVRS as required.

• Prepare high quality annual term loan reviews.

• Work closely with Management to support efforts to meet lending goals and objectives.

• Maintain a satisfactory level of customer service to all (internal and external customers) and maintain satisfactory level of communication with all partners.

• Adhere to all compliance requirements established by Bank, including timely completion of online compliance training modules.

• Assist all partners (closing, portfolio, operations) in the closing and booking of government guaranteed loans. 

• Assist in all projects assigned that help improve and streamline the credit delivery process.

Knowledge, Skills, and Education Requirements:

• College degree in accounting, economics or finance preferred.

• Minimum 3-5 years SBA loan underwriting or commercial loan underwriting experience.

• Must possess strong credit and organizational skills, be able to meet deadlines, work well in pressure situations and possess advanced communication skills – listening, written and verbal.

• Working knowledge of SBA and USDA B&I policies, procedures and regulations.

• Organized, detail oriented and has the ability to complete multiple tasks effectively and in a timely manner.

• Ability to prioritize work and perform under limited supervision.

• Working knowledge of Windows, Microsoft Word, Excel and Outlook.

• Experience with FIS and SBA software platforms helpful.

• Ability to work well with co-workers at all levels of the organization.

• Commercial lending experience and working in a community bank environment a plus.

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Location(s):

• Goodyear or Lake Havasu City, AZ.
• Consider Remote working for qualified candidate.

Interested applicants should send their resume to carld@horizoncommunitybank.com. We are an EOE employer.