SBA Credit Analyst 6
Overview
Lead credit decisions for new renewal extension and SBA-guaranteed loans in Phoenix. Conduct thorough credit analysis and collaborate with lending teams to maximize credit quality and preserve SBA guarantees. Drive scalable solutions that align with regulatory standards.
What You'll Do11
- 1Build automated credit evaluation workflows using Spark and Airflow to assess borrower eligibility and risk
- 2Analyze financial statements and cash flow to determine optimal credit terms for diverse customer segments
- 3Own credit recommendations for SBA-guaranteed loans including 7(a) and 504 programs with strict policy adherence
- 4Scale analytical frameworks to handle increased loan volumes while maintaining accuracy and compliance
- 5Drive cross-functional collaboration with underwriting and servicing teams to resolve complex credit issues
- 6Review SBA SOP 50 10 requirements to ensure full program compliance and documentation integrity
- 7Identify emerging credit risks through portfolio monitoring and provide actionable insights to mitigate exposure
- 8Partner with relationship managers to develop tailored lending strategies that support business growth objectives
- 9Maintain detailed credit memoranda and loan approval documentation using nCino and Excel
- 10Escalate high-risk cases and coordinate with legal teams to address compliance gaps
- 11Contribute to continuous improvement of credit analysis methodologies across the lending portfolio
Requirements11
- 16+ years of credit analysis experience with SBA loan programs
- 2Expertise in credit policy development and SBA guideline interpretation
- 3Proficiency in AWS and Kubernetes for scalable cloud infrastructure
- 4Strong analytical skills with proven ability to deliver measurable business outcomes
- 5Certification in CPC Card or equivalent credit certification recognized by lenders
- 6Experience with AFS and advanced Excel for complex financial modeling
- 7Understanding of nCino platform for integrated credit management systems
- 8Ability to communicate complex credit findings through clear written documentation
- 9Background in economics or finance with focus on risk assessment and mitigation
- 10Excellent verbal and written communication skills for stakeholder interactions
- 11Commitment to inclusive hiring practices with disability accommodation availability
Salary Insight
$111 - $131k per year
Location
Required Skills
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