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SBA Credit Analyst
Location:
Clinton, NJ
Description:
Position Summary The SBA Credit Analyst will primarily review and analyze SBA 504 & 7a loans. The SBA analyst will analyze credit data and financial statements of companies and individuals to determine the creditworthiness of borrowers and their ability to repay. Essential Functions Analyze credit data and financial statements to determine the degree of risk involved in extending credit through the SBA 504 and 7a loan programs Interpretation and application of SBA Standard Operating Procedure. Occasionally, the analyst will be required to analyze commercial loans and generate financial ratios to evaluate customers' financial status and ability to repay loans. Prepare loan write-ups for new and renewing loans, including assigning relevant risk rating. Order reports such as credit bureau reports, appraisals, environmental assessments. Assemble and organize loan packages from the time a loan enters underwriting until the loan file is complete and sent to the closing department. Consult with loan officers, customers, and other credit administration staff to verify and/or obtain financial information necessary to process the loan request. Monitors and updates SBA pipeline and throughput. Additional Functions Complete special projects at the direction of the Chief Credit Officer or the Senior Credit Officer. Job Requirements and Qualifications Job requires strict attention to detail and thoroughness in the completion of job duties. Job requires thorough analysis of information and use of logic to address complexity of data and information. Education and Experience Bachelor's degree in accounting, finance, business. Minimum two (2) years of SBA credit analysis or underwriting experience at a commercial bank, credit union or similar financial institution. (Position must have been within the last five years.) Licenses and Certifications N/A Knowledge, Skills, and Abilities Knowledge of SBA eligibility requirements and SOP's. Knowledge of economic and accounting principles and practices, banking, and the analysis and reporting of financial data. Knowledge of Abrigo software, a plus. Excellent computer skills in a Microsoft Windows environment including proficiency in Word and Excel. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications. Ability to effectively present information and respond to inquiries from senior management, attorneys, vendors, government agents, and the general public. Ability to write reports and business correspondence. Ability to apply common sense understanding to carry out written and oral instructions. Ability to deal with problems involving several concrete variables in standardized situations. Ability to work independently with little supervision. Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle or feel. Ability use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees. Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc. Ability to lift up to 20 lbs. less than 10% of work hours. Working Conditions Moderate sound as in business office with office machines, computers, and people traffic. Open floor work environment. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.
Company:
Unity Bank
Posted:
December 26 2023 on ApplicantPro
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More About this Listing: SBA Credit Analyst
SBA Credit Analyst is a Accounting & Finance Credit Analyst Job at Unity Bank located in Clinton NJ. Find other listings like SBA Credit Analyst by searching Oodle for Accounting & Finance Credit Analyst Jobs.
SBA Credit Analyst is a Accounting & Finance Credit Analyst Job at Unity Bank located in Clinton NJ. Find other listings like SBA Credit Analyst by searching Oodle for Accounting & Finance Credit Analyst Jobs.