Job description

Responsible for providing accurate financial analysis and risk assessment of Commercial and/or SBA loans and determining their creditworthiness.

• Underwrite credit memos and prepare credit memos with assistance.
• Has some knowledge of SBA SOP and commercial underwriting
• Request required documentation, financials, etc. from the borrower and guarantors of the new/renewal loan request and annual review
• Prepare SBA authorizations and other SBA related forms
• Order and review appraisals, environmental reports, flood search, UCC searches, etc.
• Communicate with 3rdparty due diligence vendors
• Be capable of maintaining a mixed portfolio of full underwriting of loans and modification requests
• Prepare credit files for new loans

Competency Requirements: To perform the job successfully, an individual should demonstrate the following competencies:

• Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs workflows and procedures.
• Design - Generates creative solutions; Translates concepts and information into images; Uses feedback to modify designs; Applies design principles; Demonstrates attention to detail.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
• Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
• Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
• Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.

Education and/or Training Requirements:

• Bachelors Degree
• Minimum 1 year experience in Commercial and/or SBA underwriting
• Finance experience in understanding cash flow analysis for both personal and corporate levels
• Basic computer proficiency
• Excel proficiency
• Fluency in the English language
• Bi-lingual in Korean, Chinese, or Vietnamese are preferred

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Physical setting:

• Office

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday

Supplemental pay types:

• Bonus pay
• Commission pay

Ability to commute/relocate:

• Duluth, GA: Reliably commute or planning to relocate before starting work (Required)

Application Question(s):

• Do you have specific SBA or Commercial Loan Underwriting experience?

Experience:

• Banking: 1 year (Preferred)

Work Location: In person

arclintfl.com is the go-to platform for job seekers looking for the best job postings from around the web. With a focus on quality, the platform guarantees that all job postings are from reliable sources and are up-to-date. It also offers a variety of tools to help users find the perfect job for them, such as searching by location and filtering by industry. Furthermore, arclintfl.com provides helpful resources like resume tips and career advice to give job seekers an edge in their search. With its commitment to quality and user-friendliness, arclintfl.com is the ideal place to find your next job.