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SBA Loan Underwriter

SBA Loan Underwriter

Financial Services Banking


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. 


  • 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.


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

Interested applicants should send their resume to We are an EOE employer.

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