Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans
Conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers
Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company
May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio

Bachelor’s degree, or equivalent work experience
Typically six or more years of relevant experience
Strong credit analysis and analytical skills
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
Proficient in SBA SOP
Background in economics, accounting, and/or finance
Effective technical report writing skills
Effective verbal and written communication skills
Proficient computer navigation skills using a variety of software packages
including Microsoft Suite (Excel, Teams, Outlook, etc.)
Working knowledge of nCino preferred

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

SBA Credit Analyst, Level 6

Key skills