SBA Cash Flow Underwriter

Job Description

The SBA Underwriter role supports the Commercial and Small Business Banking lines of business. This position functions as a credit resource who engages in eligibility determination, recommends appropriate loan structures, analyzes financials/projections and underwrites facility for a wide range of business credits while maintaining appropriate service level agreement. This position underwrites more complex credits and may coach and mentor junior underwriters. The ideal candidate will help us grow the line of business through thoughtful efficiency recommendations and will become a trusted resource for the SBA sales team.

Essential Functions

• Efficiently and thoroughly determine the credit worthiness of new SBA loan requests and risk ratings for annual reviews

• SBA loan decision authority under the Dual Loan Approval Authority matrix structure

• Disseminate Northwest’s and SBA credit risk appetite to lenders and team partners in their assigned regions

• Engagement in monitoring all SBA credit-related portfolio trends, and banking rules and regulations applicable to SBA loan portfolio

• Review and decision SBA credit requests, annual reviews and portfolio monitoring / management up to designated joint lending authority

• Determine the appropriate level of credit underwriting and due diligence to appropriately characterize the risk profile of each credit

• Identify credit strengths, weaknesses, and mitigating factors

• Engage in pre-flight reviews of credits

• Determine eligibility requirements based on SBA SOP

• Meet or exceed established service level expectations

• Review term sheets and commitment letters prior to issuance to customers

• Prepare and present updates as needed to senior leadership

• Support the Bank in developing understanding of SBA eligibility and processes within the organization

• Support training across organization as needs arise

• Ensure complete data integrity in origination and annual review process and ensuring that loan requests are accurately and completely presented

• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations

• Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency

• Work as part of a team

• Work with on-site equipment

• Complete special projects as requested by management

• Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses

• Identify potential for credit losses and mitigating risk accordingly including transfer of individual credits to Special Assets

Education and Experience

• Bachelor’s degree in accounting or finance related degree preferred  

• 3 - 5 years of experience in SBA lending or credit administration including credit analysis, portfolio management, loan review and/or special assets with a focus on SBA preferred.

• 3-5 years of experience and knowledge with SBA eligibility preferred.       

• Experience and knowledge with USDA programs preferred.  

• Experience as a Commercial Loan Officer preferred.

• Knowledge of all banking regulations related to credit administration including the analysis of loan/lease losses, troubled debt restructurings, accrual rules and risk rating concepts

• Knowledge of SBA eligibility, underwriting guidelines, deal structuring and compliance with SBA SOP

• Knowledge of macro-economic issues affecting regions across the bank footprint

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Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.