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Sba Credit Analyst Underwriter Jobs (NOW HIRING)

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 ...

Hanmi Bank

SBA Credit Officer

Los Angeles, CA · On-site

$54K - $88K/yr

SUMMARY The SBA Credit Officer is responsible for assisting Commercial, C&I, SBA, Real Estate ... Performs thorough analysis of combined DSCR for underwriting of guarantors. 17. Proficiency in ...

Fifth Third

SBA Lead Underwriter

Utilize and analyze all available resources to prepare the credit approval document, Change in ... SBA Lead Underwriter Total Base Pay Range 82,100.00 - 172,500.00 USD Annual At Fifth Third, we ...

United Community Bank

SBA Senior Portfolio Manager

$88K - $102K/yr

Responsibilities include portfolio management, credit analysis, underwriting, and sales support. The role also involves identifying and mitigating underwriting risks, analyzing new SBA credit ...

Fifth Third Bank

SBA Lead Underwriter

Utilize and analyze all available resources to prepare the credit approval document, Change in ... SBA Lead Underwriter Total Base Pay Range 82,100.00 - 172,500.00 USD Annual At Fifth Third, we ...

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 ...

SmartBiz Bank

Senior Credit Analyst

Northbrook, IL · On-site

$95K - $105K/yr

The Senior Credit Analyst is responsible for reviewing the creditworthiness of individuals or ... Manage and assist with various commercial and SBA lending underwriting transactions for approval.

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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 3, 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 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 $67,577 per year, or $32.5 per hour.

Credit Analyst/Underwriter

LendingOne

Boca Raton, FL • On-site

Full-time

Re-posted 12 hours ago

Job description

Description
We are looking for an experienced and technology focused professional to join our team. This person will work on our Operations team, report to the Director of Operations and will focus on primarily on underwriting investment properties. To successfully occupy this role, you must be very detail oriented and have the ability to work in an extremely robust environment. 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 acquire, potential renovations, property cash flows, rent rolls, general market conditions, and corresponding loan terms.
Requirements
Qualifications:
In order to perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The following list of qualifications and responsibilities is not all inclusive, as each employee is expected to be a team player, and may be assigned other tasks as necessary. This is meant to serve as an overview of the position description:
  • Minimum 3 years demonstrated successful operational experience as an underwriter with a specific focus in real estate investment properties
  • Bachelor's degree required. Focus in finance, business or economics preferred
  • Positive attitude, extremely organized, excellent communication skills and self-motivated
  • Strong computer skills, high rate of literacy and ambition to learn
  • Extremely proficient in Microsoft office, including Word and Excel
  • Attention to detail coupled with high demands
  • Strong organization skills with the ability to self-manage time and workflow to meet deadlines
  • Ability to manage multiple projects at one time
  • Displays natural skepticism and curiosity to question the status quo and uncover issues

Responsibilities:
  • Perform a full underwrite on all commercial loans - including underwriting the borrower and the property
  • Perform credit analysis - review financial documents to analyze credit, determining qualifications for potential financing
  • Consider various properties owned by investor when appropriate, understand experience and performance of other investments
  • Identify potential risks - associated with either borrower or property, the Commercial Underwriter will determine if the risk is too high or if alternative financing/ rates and terms are more appropriate based on specific conditions of the loan
  • Property underwrite includes evaluating cost to acquire, any potential plans to renovate property, current rents, potential expected increases in rents etc.
  • Create summary reports - summarize loan applications and credit analysis in one concise report which will include quantitative and qualitative evaluation of the loan - property, borrower, advantages and potential risks to consider
  • Investigate variances on applicant's financial statements if and when necessary
  • Verify market comparable for both rental values as well as property sale values
  • Review appraisal analysis to determine that acceptable standards are met
  • Once approved, issue updated final underwriting approval with terms and ensure proper communication takes place internally
  • Maintain productivity level and turn times as established by management. Prioritizes the underwriting caseload to meet various deadlines
  • Business relationship management skills and the ability to understand and anticipate the needs of respective business stakeholders

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