Gesa Credit Union
SBA Underwriter/Credit Analyst II
Gesa Credit Union, Richland, Washington, United States, 99352
SBA Underwriter/Credit Analyst II - Gesa Credit Union
Join to apply for the SBA Underwriter/Credit Analyst II role at Gesa Credit Union.
Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. It’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
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 reports to the SBA Lending Manager and is a critical function in the SBA loan origination process. The position is responsible for ensuring SBA program eligibility in concurrence with SBA underwriting standards and guidelines, performing financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. The underwriter will assist in completing loan approval packages, obtain necessary documentation, conduct quality assurance prior to SBA loan closing, perform annual reviews, industry risk analysis, and other related tasks required to support the SBA Department.
What You Will Be Doing
Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.
Maintain a working knowledge of SBA loan programs.
The expectation is to 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, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant’s credit worthiness.
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests following bank underwriting guidelines along with SBA requirements.
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.
Request SBA terms and conditions through SBA’s etran system or other means.
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. to fulfill underwriting loan request.
Assist SBA Relationship Managers in preparing letters of interest and 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 subject matter expert.
About You
Ability to perform financial statement and tax return analysis and calculate basic financial ratios.
Provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone, or electronic 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 matters of account or lending concern.
Lead by example by always displaying solid ethics and integrity.
Assist all team members when necessary to meet borrower expectations and department goals.
Demonstrate 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.
Demonstrate support of corporate values, mission, and vision; perform job duties within these standards and in accordance with guidelines of bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism; consistently display respect for all areas of diversity and knowledge levels.
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 and Outlook software, and commercial lending platforms.
Some travel may be required to fulfill duties, career development, and/or responsibilities.
Four (4) year college degree or completion of a specialized course of study at a business or trade school preferred but not required, or equivalent experience.
Our Team Member Value Proposition
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
Full Salary Range $34.60 - $57.67
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!
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 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
Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. It’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
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 reports to the SBA Lending Manager and is a critical function in the SBA loan origination process. The position is responsible for ensuring SBA program eligibility in concurrence with SBA underwriting standards and guidelines, performing financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. The underwriter will assist in completing loan approval packages, obtain necessary documentation, conduct quality assurance prior to SBA loan closing, perform annual reviews, industry risk analysis, and other related tasks required to support the SBA Department.
What You Will Be Doing
Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.
Maintain a working knowledge of SBA loan programs.
The expectation is to 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, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant’s credit worthiness.
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests following bank underwriting guidelines along with SBA requirements.
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.
Request SBA terms and conditions through SBA’s etran system or other means.
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. to fulfill underwriting loan request.
Assist SBA Relationship Managers in preparing letters of interest and 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 subject matter expert.
About You
Ability to perform financial statement and tax return analysis and calculate basic financial ratios.
Provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone, or electronic 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 matters of account or lending concern.
Lead by example by always displaying solid ethics and integrity.
Assist all team members when necessary to meet borrower expectations and department goals.
Demonstrate 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.
Demonstrate support of corporate values, mission, and vision; perform job duties within these standards and in accordance with guidelines of bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism; consistently display respect for all areas of diversity and knowledge levels.
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 and Outlook software, and commercial lending platforms.
Some travel may be required to fulfill duties, career development, and/or responsibilities.
Four (4) year college degree or completion of a specialized course of study at a business or trade school preferred but not required, or equivalent experience.
Our Team Member Value Proposition
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
Full Salary Range $34.60 - $57.67
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!
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 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