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Remote Sba Credit Analyst Jobs (NOW HIRING)

Servbank

SBA Underwriter/Analyst

$108K - $127K/yr

Essential Duties and Responsibilities Credit Underwriting & Analysis * Analyze SBA loan applications, including 7(a), 504, and other government-guaranteed loan programs. * Conduct detailed ...

United Community Bank

SBA Senior Portfolio Manager

$88K - $102K/yr

Responsibilities include portfolio management, credit analysis, underwriting, and sales support ... This is a full-time, non-remote position FLSA Status: Exempt WORK ENVIRONMENT UCB Location within ...

Florida Business Development Corp

SBA Underwriter

FL · Remote

SBA eligibility requirements, risk identification, credit analysis, remediation, process loan package and procurement of an SBA guarantee is not the Business Development Officer's responsibility ...

Evolve

SBA Business Development Officer

Memphis, TN · On-site +1

$74K - $103K/yr

Knowledge of the credit, packaging and closing process and procedures is necessary to effectively ... Knowledge of SBA underwriting, financial analysis and SBA regulations. Key Competencies: * Skilled ...

Huntington

SBA Eligibility Review Officer III

Cleveland, OH · On-site +1

$77K - $154K/yr

Excellent analytical skills along with the ability to write in a concise, logical manner to clearly ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Huntington

SBA Eligibility Review Officer III

Tampa, FL · On-site +1

$77K - $154K/yr

Excellent analytical skills along with the ability to write in a concise, logical manner to clearly ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

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Remote Sba Credit Analyst information

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How much do remote sba credit analyst jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for remote sba credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What is the difference between Remote Sba Credit Analyst vs Remote Commercial Loan Processor?

AspectRemote Sba Credit AnalystRemote Commercial Loan Processor
CredentialsTypically requires a finance or related degree, certifications like SBA or banking certificationsUsually requires banking or finance background, sometimes certifications in loan processing
Work EnvironmentRemote, analytical, report-focusedRemote, administrative, document-focused
Employer & IndustryFinancial institutions, SBA lenders, banksCommercial banks, lending companies, financial institutions

The Remote Sba Credit Analyst primarily evaluates SBA loan applications, analyzing financial data and creditworthiness. In contrast, the Remote Commercial Loan Processor handles the administrative aspects of loan processing, such as document collection and verification. While both roles are remote and within the lending industry, the analyst focuses on credit analysis, whereas the processor manages loan documentation. Understanding these differences helps job seekers identify the right role based on their skills and career goals.

Can a remote SBA credit analyst work from home?

Yes, many remote SBA credit analysts work from home, as the role primarily involves analyzing financial documents, assessing creditworthiness, and using specialized software. Strong communication skills and familiarity with remote collaboration tools are important for success in a home-based environment.

Do remote sba credit analysts make a lot of money?

Remote SBA credit analysts typically earn a median salary ranging from $60,000 to $80,000 annually, depending on experience, location, and employer size. Advanced skills, certifications, and experience in financial analysis can lead to higher compensation in this role.

What is a remote SBA credit analyst?

A remote SBA credit analyst evaluates small business loan applications guaranteed by the Small Business Administration from a remote location. They review financial documents, assess creditworthiness, and determine loan eligibility using financial analysis skills and specialized software, often working independently with flexible schedules.
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Remote Sba Credit Analyst jobs near you
Infographic showing various Remote Sba Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

SBA Underwriter/Analyst

Servbank

Remote

$108K - $127K/yr

Full-time

Posted 11 days ago

Job description

The SBA Underwriter/Analyst is responsible for analyzing, underwriting, and recommending credit decisions for Small Business Administration (SBA) loan requests in accordance with SBA Standard Operating Procedures (SOP), bank credit policy, and regulatory requirements. This role evaluates borrower creditworthiness, assesses business and industry risk, analyzes financial statements and cash flow, and prepares comprehensive credit memorandums to support lending decisions while ensuring SBA eligibility and compliance.
Essential Duties and Responsibilities
Credit Underwriting & Analysis
  • Analyze SBA loan applications, including 7(a), 504, and other government-guaranteed loan programs.
  • Conduct detailed assessments of borrower repayment capacity, cash flow, leverage, liquidity, collateral, and management experience.
  • Review historical and projected business financial statements, tax returns, personal financial statements, and supporting documentation.
  • Evaluate debt service coverage, global cash flow, guarantor strength, and overall risk profile.
  • Identify key credit risks and recommend appropriate mitigating factors and loan structures.
  • Prepare comprehensive credit approval memorandums and underwriting narratives for presentation to loan committees and credit approvers.

SBA Eligibility & Compliance
  • Ensure loans comply with current SBA SOP requirements, policies, and procedures.
  • Review borrower eligibility, use of proceeds, franchise requirements, affiliation rules, and ownership structures.
  • Verify adherence to SBA environmental, collateral, life insurance, equity injection, and guaranty requirements.
  • Document loans to maximize SBA guaranty protection and minimize repair or denial risk.

Financial Analysis
  • Spread and analyze business and personal financial statements.
  • Perform trend analysis, ratio analysis, and cash flow analysis.
  • Evaluate projections and assumptions for startups, acquisitions, expansions, and refinancing requests.
  • Assess industry conditions, market factors, and economic impacts affecting borrower performance.

Portfolio & Risk Management
  • Assist in ongoing portfolio monitoring and risk assessment efforts.
  • Identify potential credit concerns and recommend corrective actions when necessary.
  • Support annual reviews, renewals, and modifications of existing SBA credit relationships.
  • Maintain credit quality standards and risk rating accuracy.

Collaboration & Communication
  • Partner with Business Development Officers, Relationship Managers, Credit Officers, Closing Specialists, and Loan Servicing teams.
  • Communicate underwriting findings, credit recommendations, and loan structure requirements effectively.
  • Provide guidance to internal stakeholders regarding SBA eligibility and underwriting standards.
  • Support audits, examinations, and internal compliance reviews.

Requirements
Experience
  • 3-7+ years of commercial credit analysis or underwriting experience.
  • Experience underwriting SBA 7(a) and/or SBA 504 loans preferred.
  • Strong understanding of commercial lending principles, credit risk analysis, and SBA loan programs.
  • Experience with SBA SOP requirements and government-guaranteed lending regulations.

Knowledge, Skills, and Abilities
  • Strong financial statement analysis and cash flow modeling skills.
  • Knowledge of commercial loan documentation and collateral analysis.
  • Understanding of SBA eligibility requirements and program guidelines.
  • Excellent analytical, organizational, and problem-solving abilities.
  • Strong written communication and credit memorandum writing skills.
  • Ability to manage multiple transactions and deadlines simultaneously.
  • Proficiency in Microsoft Excel, Word, and commercial lending software platforms.

Preferred Qualifications
  • Experience with delegated lending programs such as SBA PLP.
  • Knowledge of SBA servicing and liquidation requirements.
  • Prior banking, credit administration, or government-guaranteed lending experience.
  • Formal credit training preferred.

Education
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
Key Performance Indicators (KPIs)
  • Underwriting turnaround time.
  • Credit quality and loan performance.
  • SBA compliance and guaranty preservation.
  • Accuracy and completeness of credit packages.
  • Portfolio quality metrics.
  • Productivity and volume of loans underwritten.
  • Internal and external audit results.

EEO Statement:
We're an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Salary Description
$108,600 - $127,100 annually

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