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Sba Credit Analyst Jobs (NOW HIRING)

Busey

SBA Credit Analyst II

Plainfield, NJ · Hybrid

$103K - $135K/yr

Position Summary The SBA Credit Analyst II provides accurate, timely, and succinct credit analysis while ensuring compliance with SBA loan program regulations to support new loan originations and ...

Busey Bank

SBA Credit Analyst II

Schaumburg, IL · On-site

$103K - $135K/yr

Position Summary The SBA Credit Analyst II provides accurate, timely, and succinct credit analysis while ensuring compliance with SBA loan program regulations to support new loan originations and ...

Busey

SBA Credit Analyst II

Schaumburg, IL · Hybrid

$103K - $135K/yr

Position Summary The SBA Credit Analyst II provides accurate, timely, and succinct credit analysis while ensuring compliance with SBA loan program regulations to support new loan originations and ...

Busey

SBA Credit Analyst II

Naperville, IL · Hybrid

$103K - $135K/yr

Position Summary The SBA Credit Analyst II provides accurate, timely, and succinct credit analysis while ensuring compliance with SBA loan program regulations to support new loan originations and ...

Northwest Bank

SBA Cash Flow Underwriter

Columbus, OH · On-site

Knowledge of all banking regulations related to credit administration including the analysis of ... Knowledge of SBA eligibility, underwriting guidelines, deal structuring and compliance with SBA SOP

Northwest

SBA Cash Flow Underwriter

Columbus, OH

Knowledge of all banking regulations related to credit administration including the analysis of ... Knowledge of SBA eligibility, underwriting guidelines, deal structuring and compliance with SBA SOP

Hanmi Bank

SBA Credit Officer

Los Angeles, CA · On-site

$54K - $88K/yr

Conducts credit analyses including gathering, analyzing and interpreting all types of credit ... SBA lending - specifically, property cash flow analysis and appraisal valuation methods. • ...

Millennium Bank

SBA Loan Specialist

Des Plaines, IL · On-site

Millennium Bank (Des Plaines, IL) seeks an SBA Loan Specialist to support lending operations by ... Analyst, Assistant Manager, Credit Manager, or Financial Intern, or a similar position in ...

WaFd Bank

Senior SBA Analyst

Everett, WA · On-site

$43.27 - $52.88/hr

The Sr. SBA Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for SBA 7a loans; assists SBA Loan ...

LOANBUD INC

Credit Analyst

Manhattan, NY

$60K - $80K/yr

Position Overview We're hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow ...

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All JobsSba Credit Analyst Jobs

Sba Credit Analyst information

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$15

$29

$49

How much do sba credit analyst jobs pay per hour?

As of Jun 14, 2026, the average hourly pay for 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.

Do credit analysts make a lot of money?

Credit analysts, including SBA credit analysts, typically earn a median salary that varies by experience and location, with entry-level positions starting around $50,000 and experienced analysts earning over $80,000 annually. Factors such as certifications, industry, and employer size can influence compensation, and some roles may include bonuses or incentives.

What are the key skills and qualifications needed to thrive as an SBA Credit Analyst, and why are they important?

To thrive as an SBA Credit Analyst, you need strong analytical skills, knowledge of financial statements, and understanding of SBA loan guidelines, often backed by a degree in finance or a related field. Familiarity with financial analysis software, SBA loan processing systems, and certifications like the Credit Risk Certification (CRC) can be highly beneficial. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating loan applications and interacting with clients. These abilities are vital to accurately assess credit risk, ensure compliance with SBA requirements, and facilitate successful lending decisions.

What does an SBA credit analyst do?

An SBA credit analyst evaluates loan applications for small business administration loans by analyzing financial statements, credit reports, and business plans to assess creditworthiness. They determine risk levels, prepare loan recommendations, and ensure compliance with SBA guidelines, often using financial analysis tools and industry knowledge. Their work supports lenders in making informed lending decisions for small businesses.

What are some common challenges SBA Credit Analysts face when evaluating small business loan applications?

SBA Credit Analysts often encounter challenges such as assessing the financial health of businesses with limited credit history or incomplete documentation. They must carefully analyze business plans, cash flow projections, and collateral, all while ensuring compliance with both SBA and lender guidelines. Balancing thorough risk assessment with the need to support small businesses can be demanding, especially when working under tight deadlines. Strong communication with applicants and internal teams is essential to address these challenges efficiently.

How much does a credit analyst make hourly?

A credit analyst typically earns between $20 and $35 per hour, depending on experience, location, and the industry. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher wages. Many credit analysts work full-time in office environments, often requiring strong analytical and financial skills.

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

AspectSba Credit AnalystCommercial Loan Analyst
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis courses are commonSimilar educational background; often holds finance or accounting degrees; certifications like CFA are also valued
Work EnvironmentWorks primarily in banks, credit unions, or specialized Sba lending institutionsEmployed in banks, financial institutions, or lending firms focusing on commercial loans
Employer & Industry UsageUsed mainly in Sba loan programs, government-backed lendingCommon in commercial banking and business lending sectors

Both roles involve analyzing creditworthiness and financial data, but Sba Credit Analysts focus specifically on Small Business Administration loans, while Commercial Loan Analysts handle broader commercial lending. The skills and certifications overlap significantly, making them closely related roles within the lending industry.

Will a credit analyst be replaced by AI?

A credit analyst role involves evaluating financial data and making judgment-based decisions, which currently cannot be fully replaced by AI. While AI tools can assist with data analysis and automate routine tasks, human expertise remains essential for interpreting complex information and making nuanced credit decisions.

What are SBA Credit Analysts?

SBA Credit Analysts are financial professionals who evaluate loan applications specifically for Small Business Administration (SBA) loans. They analyze the creditworthiness of businesses seeking SBA-backed financing by reviewing financial statements, business plans, and cash flow projections. Their primary role is to assess risk and ensure that loan applicants meet both the lender’s and the SBA’s criteria. SBA Credit Analysts also prepare reports and make recommendations to loan officers or credit committees. They play a crucial part in supporting small business growth by facilitating access to government-backed loans.
More about Sba Credit Analyst jobs
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What are the most commonly searched types of Sba Credit Analyst jobs? The most popular types of Sba Credit Analyst jobs are:
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Sba Credit Analyst jobs near you
Infographic showing various Sba Credit Analyst job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 50% In-person, and 50% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

SBA Credit Analyst II

Busey

Plainfield, NJ • Hybrid

$103K - $135K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago

Job description

Position Summary

The SBA Credit Analyst II provides accurate, timely, and succinct credit analysis while ensuring compliance with SBA loan program regulations to support new loan originations and portfolio management of the company's SBA Lending Division.
This role is eligible for hybrid work.Duties & Responsibilities
  • Responsible for the evaluation and underwriting of SBA loan applications to determine creditworthiness, compliance, and eligibility.
  • Financial statement spreading and analysis, including calculation of Debt Service Coverage Ratios per Busey Bank and SBA guidelines.
  • Review and analyze all customer financial data such as cash flow, potential impacts to repayment ability, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to business applicants.
  • Evaluate collateral, industry data and other relevant credit information.
  • Communicate with borrowers (active and prospective) to facilitate the gathering and assimilation of all relevant information needed for complete analysis.
  • Collaborate with SBA BDOs or other Lending Staff to prepare Opportunity Memos (OM) and Commercial Credit Approval Requests (CCAR). CCARs should be clear, concise, identify strengths and weaknesses of the transaction, document SBA eligibility and requirements (to include conditions to close), and contain pertinent information associated with the overall risk of the loan.
  • Work with the Closing team for a smooth hand-off of the borrower to the next level in the SBA Process (submission and closing). If needed, assist in screen-out responses, credit addendums, and memos to the file.
  • Assist with Portfolio Management duties to include monitoring monthly borrowing base reports and preparing quarterly portfolio reviews and sensitive asset reports (SARs), as assigned.
  • Participate in pipeline meetings to discuss status of loans in Underwriting and Closing stages as well as to develop knowledge of prospective opportunities.
  • Maintain a working knowledge of Busey Bank Commercial Loan Policy, SBA SOP, and bank/SBA systems (nCino, CAFS, E-Tran).
  • Assist with other duties or special projects as assigned.
Education & Experience
  • Knowledge of:
  • Strong oral and written communication skills.
  • Knowledge of financial accounting.
  • Proficiency in Microsoft Office Suite.
  • Ability to:
  • Prioritize workflow, multi-task and work independently.
  • Analyze and solve problems.
  • Take independent action within established guidelines.
  • Perform duties under frequent time pressures with a high degree of accuracy and attention to.
  • Education & Training:
  • Requires bachelor's degree with a concentration in Business, Finance, Accounting, or related field.
  • Requires 2 or more years of Commercial Credit analysis experience.
  • Working knowledge of and experience with current SBA SOP and loan programs is preferred.

Compensation and Benefits

Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

(Base Pay Range: $103,000 - $135,000 annual)

Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit BuseyTotal Rewardsfor more information.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. VisitBusey.com/Careersto learn more about Busey's Equal Opportunity Employment.

Unsolicited Resumes

Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

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