SMALL BUSINESS CREDIT ANALYST - TAMPA, FLA. - HYBRID - 5 YEARS EXP - SALARY $55K-$80k DOE
The Small Business Credit Analyst assists members and reviews applications for Member Business loan requests under $250,000.00. This individual refers small business loans for SBA lending to an SBA processor and follows up with the processor for approvals and loan documentation. Key responsibilities include analyzing financial information and credit reports.
Responsibilities:
Communicate with members by phone and e-mail regarding small business loans
Review applications for member business loan requests less than $250,000.00, including commercial real estate, lines of credit, credit cards, letters of credit, and term loans for vehicles and equipment.
Assess applications and obtain any missing data or documents
Analyze credit information to assess member's general creditworthiness
Review balance sheets and profit and loss statements
Analyze the appraisals of real estate offered as collateral
Complete an assessment of liquidity, quality of management, market position, and overall business climate to estimate the future profitability of the business
Prepare loan information for external SBA loan processors for SBA lending
Underwrite loans and make recommendations for loan decisions on non-SBA loans
Complete loan package presentations for review by management
Assist members, service centers, and back-office staff with questions related to member business loans and deposits
Bachelor's degree in business administration or a related field (A comparable combination of work experience and training may be substituted for education requirements)
5+ years of experience in commercial or business lending underwriting traditional credits with a financial institution