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SBA Loan Underwriter
Job
Robert Half
Alamo, TN (In Person)
Full-Time
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Job Description
We are looking for an experienced SBA Underwriter to support loan evaluation and credit review activities for a remote Contract position. This role focuses on assessing SBA 7(a) loan opportunities, reviewing borrower financials, and producing clear credit recommendations that align with established lending standards. The ideal candidate brings strong analytical judgment, effective communication skills, and the ability to work closely with processing and closing partners to move transactions forward efficiently.
Responsibilities:
- Review SBA 7(a) loan files and perform thorough credit analysis to determine overall transaction quality and lending viability.
- Examine and spread applicant financial statements, tax records, and supporting business documentation to assess repayment capacity and risk exposure.
- Request third-party due diligence items, such as appraisals, environmental reports, and business valuations, after obtaining appropriate internal approval.
- Develop well-structured credit memoranda that clearly summarize borrower qualifications, key risks, and underwriting recommendations.
- Present informed credit decisions and recommendations using independent judgment for management or committee review.
- Partner with loan processing staff to help advance approved transactions in a timely manner while maintaining compliance with internal lending guidelines.
- Work closely with the closing team to support smooth execution and completion of loan transactions.
- Identify potential credit concerns early and recommend practical solutions or mitigating factors to strengthen decision-making.