Gesa Credit Union
SBA Underwriter/Credit Analyst II
Gesa Credit Union, Richland, Washington, United States, 99352
Join to apply for the
SBA Underwriter/Credit Analyst II
role at
Gesa Credit Union .
This range is provided by Gesa Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range $37.91/hr - $56.87/hr
Role Summary Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager and is a critical function in the SBA loan origination process. The position ensures SBA program eligibility in concurrence with the SBA underwriting standards and guidelines and performs financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs.
What You Will Be Doing
Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP and credit union policies.
Maintain a working knowledge of SBA loan programs.
Build and review at least 2 deals per week or 45 per year factoring in vacations & holidays.
Analyze personal and business credit data, financial statements, aging reports, projections and tax returns to present facts, opinions and recommendations to the SBA Relationship Manager concerning applicant’s credit worthiness.
Evaluate CRE, business acquisitions, equipment, expansions, start‑up, construction and tenant improvement requests following bank underwriting guidelines along with SBA requirements.
Assemble, record and maintain all credit file data in an organized manner using shared files and Gesa underwriting and record keeping software or tickler systems.
Request SBA terms and conditions through SBA’s etran system or other means.
Assist the SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports and title reports.
Assist SBA Relationship Managers in preparing letters of interest, loan commitment letters, portfolio management including annual loan reviews and problem loan reports.
May participate in customer and prospect calls with the SBA Relationship Manager.
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.
May be asked to coach, mentor, or train others and teach coursework as a subject matter expert.
About You
Perform financial statement and tax return analysis and calculate basic financial ratios.
Provide knowledgeable, professional, friendly service to all members or vendors in person, over the phone, electronic or written communication.
Participate in and support a team environment.
Display respect for diversity, treat people with respect, keep commitments and maintain a high level of integrity.
Good interpersonal skills and team orientation.
Communicate with supervisor regarding account or lending concerns.
Lead by example by always displaying solid ethics and integrity.
Assist all team members when necessary to meet borrower expectations and department goals.
Demonstrate a willingness to learn and grow within a dynamic and challenging environment.
Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
Maintain a professional work environment and work under restricted time constraints.
Support corporate values, mission, and vision and perform duties within these standards and in accordance with the guidelines of our bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism and consistently display respect for all areas of diversity and levels of knowledge.
Qualifications
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.
Must be able to work under pressure and manage workflow to provide a high level of member service.
Proficiency with standard office equipment, MS Office, Outlook and commercial lending platforms.
Some travel may be required to fulfill duties, career development, or responsibilities.
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.
Benefits
Competitive Pay
Medical, Dental, Vision and Life Insurance
20 days/year of Paid Time Off plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product Discounts
Engaging Work Environment
Rewards and Recognition Programs
Salary Range $37.91/hr – $56.87/hr
While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
EEO and Accommodation Statement We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and a strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr
SBA Underwriter/Credit Analyst II
role at
Gesa Credit Union .
This range is provided by Gesa Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range $37.91/hr - $56.87/hr
Role Summary Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager and is a critical function in the SBA loan origination process. The position ensures SBA program eligibility in concurrence with the SBA underwriting standards and guidelines and performs financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs.
What You Will Be Doing
Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP and credit union policies.
Maintain a working knowledge of SBA loan programs.
Build and review at least 2 deals per week or 45 per year factoring in vacations & holidays.
Analyze personal and business credit data, financial statements, aging reports, projections and tax returns to present facts, opinions and recommendations to the SBA Relationship Manager concerning applicant’s credit worthiness.
Evaluate CRE, business acquisitions, equipment, expansions, start‑up, construction and tenant improvement requests following bank underwriting guidelines along with SBA requirements.
Assemble, record and maintain all credit file data in an organized manner using shared files and Gesa underwriting and record keeping software or tickler systems.
Request SBA terms and conditions through SBA’s etran system or other means.
Assist the SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports and title reports.
Assist SBA Relationship Managers in preparing letters of interest, loan commitment letters, portfolio management including annual loan reviews and problem loan reports.
May participate in customer and prospect calls with the SBA Relationship Manager.
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.
May be asked to coach, mentor, or train others and teach coursework as a subject matter expert.
About You
Perform financial statement and tax return analysis and calculate basic financial ratios.
Provide knowledgeable, professional, friendly service to all members or vendors in person, over the phone, electronic or written communication.
Participate in and support a team environment.
Display respect for diversity, treat people with respect, keep commitments and maintain a high level of integrity.
Good interpersonal skills and team orientation.
Communicate with supervisor regarding account or lending concerns.
Lead by example by always displaying solid ethics and integrity.
Assist all team members when necessary to meet borrower expectations and department goals.
Demonstrate a willingness to learn and grow within a dynamic and challenging environment.
Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
Maintain a professional work environment and work under restricted time constraints.
Support corporate values, mission, and vision and perform duties within these standards and in accordance with the guidelines of our bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism and consistently display respect for all areas of diversity and levels of knowledge.
Qualifications
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.
Must be able to work under pressure and manage workflow to provide a high level of member service.
Proficiency with standard office equipment, MS Office, Outlook and commercial lending platforms.
Some travel may be required to fulfill duties, career development, or responsibilities.
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.
Benefits
Competitive Pay
Medical, Dental, Vision and Life Insurance
20 days/year of Paid Time Off plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product Discounts
Engaging Work Environment
Rewards and Recognition Programs
Salary Range $37.91/hr – $56.87/hr
While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
EEO and Accommodation Statement We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and a strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr