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Sba Credit Analyst Underwriter 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 ...

Servbank

SBA Underwriter/Analyst

Oswego, IL · On-site

$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 ...

Us Bank

SBA Credit Analyst 6

Irving, TX · On-site

$100 - $125/hr

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Brookfield, WI · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

U.S. Bank

SBA Credit Analyst 6

Los Angeles, CA · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Minneapolis, MN · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Gresham, OR · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Tempe, AZ · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Los Angeles, CA · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Irving, TX · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Denver, CO · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

US Bank

SBA Credit Analyst 6

Columbus, OH · On-site

The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ... Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA ...

Florida Business Development Corp

SBA Underwriter

FL · Remote

Loan underwriting demonstrates one's institutional credit quality which is corollary to the loan ... SBA eligibility requirements, risk identification, credit analysis, remediation, process loan ...

Florida Business Development Corp

SBA Underwriter

FL · On-site

SBA eligibility requirements, risk identification, credit analysis, remediation, process loan ... The underwriter will be held accountable for any and all exceptions to the application package. • ...

LendingOne

Credit Analyst/Underwriter

Boca Raton, FL · On-site

The Credit Analyst/Underwriter is responsible for underwriting complex commercial real estate loans with minimal supervision, they will evaluate real estate loan opportunities by analyzing cost to ...

LendingOne

Credit Analyst/Underwriter

Boca Raton, FL · On-site

The Credit Analyst/Underwriter is responsible for underwriting complex commercial real estate loans with minimal supervision, they will evaluate real estate loan opportunities by analyzing cost to ...

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Sba Credit Analyst Underwriter information

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$36K

$67.6K

$112.5K

How much do sba credit analyst underwriter jobs pay per year?

As of Sep 8, 2026, the average yearly pay for sba credit analyst underwriter in the United States is $67,577.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,500.00 and $75,000.00 per year, depending on experience, location, and employer.

What is an SBA Credit Analyst Underwriter?

SBA Credit Analyst Underwriters are finance professionals who assess and evaluate loan applications under Small Business Administration (SBA) lending programs. They analyze financial statements, business plans, and credit histories to determine the risk and eligibility of small business borrowers. Their work ensures that loans meet both SBA guidelines and the lender’s internal policies, helping small businesses access funding while minimizing risk for lenders.

What are the key skills and qualifications needed to thrive as an SBA Credit Analyst Underwriter?

To thrive as an SBA Credit Analyst Underwriter, you need a strong background in financial analysis, risk assessment, and knowledge of SBA lending guidelines, typically supported by a degree in finance, accounting, or a related field. Expertise with financial modeling software, loan origination systems, and familiarity with SBA-specific platforms like E-Tran are crucial. Excellent attention to detail, analytical thinking, and clear communication help you effectively evaluate loan applications and collaborate with stakeholders. These skills and qualifications ensure accurate risk evaluation, regulatory compliance, and support the growth of small business lending portfolios.

What are some common challenges faced by SBA Credit Analyst Underwriters in evaluating loan applications?

SBA Credit Analyst Underwriters often navigate challenges such as thoroughly analyzing complex financial statements from small businesses, assessing unique risk factors, and ensuring compliance with both SBA and internal lending guidelines. They must also balance the need for due diligence with the ability to process applications efficiently to meet client and organizational timelines. Additionally, collaborating with relationship managers and borrowers to clarify documentation or resolve discrepancies is a frequent part of the role.

What is the difference between Sba Credit Analyst Underwriter vs Sba Loan Officer?

AspectSba Credit Analyst UnderwriterSba Loan Officer
Primary RoleAssessing creditworthiness and underwriting SBA loan applicationsOriginating, evaluating, and recommending SBA loan applications
ResponsibilitiesAnalyzing financial documents, risk assessment, loan approvalClient interaction, loan promotion, application processing
CredentialsTypically requires finance or accounting background, certifications like CFA or CPA helpfulSales or banking experience, knowledge of SBA programs
Work EnvironmentBank or financial institution's credit departmentBank branch or loan office, client-facing

While both roles involve SBA loans, the Sba Credit Analyst Underwriter focuses on evaluating and approving loan applications through detailed financial analysis, whereas the Sba Loan Officer primarily originates and manages client relationships to facilitate loan approval. Understanding these distinctions helps in choosing the right career path or job search focus.

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Sba Credit Analyst Underwriter jobs near you
Infographic showing various Sba Credit Analyst Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 80% Full Time, and 19% Part Time. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $67,577 per year, or $32.5 per hour.

SBA Underwriter/Analyst

Remote

Servbank
See more jobs at Servbankexternal

$108K - $127K/yr

Full-time

Posted 13 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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