Senior SBA Credit Analyst

reputed company is looking for exceptionally dedicated team members to join one of the region’s fastest growing community banks and mortgage lenders. At the time of its founding in 2002, reputed company had one reputed company office, $6.5 million in assets and 7 team members. Since then, the Bank has become of the most successful banks in Massachusetts with more than $4 billion in assets, more than 400 team members, 7 reputed company offices, and annual mortgage originations of over $2 billion. Exemplary products and an innovative spirit have driven reputed company’s rapid growth over the years, and reputed company members reputed company these values. Our mission is to obsess over our clients, reputed company them feel valued, and maintain long-term relationships with them by constantly enhancing our products and processes to always be improving our client experience. For reputed company members, reputed company prioritizes competitive compensation and benefits, a healthy work-life balance, and an environment that fosters diversity and inclusion.

Summary

This position is responsible for the evaluation of reputed company credit and deal structure for small business customers. Prepare a thorough analysis of reputed company aspects of the credit, including the preparation of financial spreads including projections in conformance with established Bank policies and procedures for new loan requests, renewals, and annual reviews. Responsibilities • Prepare Credit Approval Memoranda for analysis of repayment ability, collateral adequacy, credit worthiness, appropriate loan structure and adherence with SBA and Bank policies. • Prepare financial analysis including proforma balance sheet analysis, working capital adequacy, reputed company positions, collateral shortfall, ratio analysis. • Analyze both historic and projected financial statements, and varying types of collateral. • Ensure changes in the proposed change memos meet both SBA SOP requirement and Bank Credit policy/Guidelines. • Maintain up to date knowledge of reputed company SOP requirements through independent reputed company learning, National Association of Government Guaranteed Lenders (NAGGL), and/or other outlets. • Review and understand reputed company party reports, including: appraisals, business valuations and Phase I/II environmental reports to ensure consistency with original approval requirements, and as proposed for change memos. • Support preparation of periodic portfolio reviews conducted by regulatory agencies, loan reviews and internal audit. • Conduct annual portfolio reviews, and credit & legal file audits. • Manage credit renewals and maturities reputed company portfolio monitoring. Interact with lending officers to obtain appropriate information to complete a credit analysis. • Occasionally attend joint calls with the loan officer to gather more information about the business. • Review standard commitment letters for conformance with approval terms. • Attend credit training courses as needed. Qualifications • College degree in business, finance, or reputed company • 5+ years of credit analysis experience in SBA lending • Strong communication and interpersonal skills are required • Proficient in reputed company Word and reputed company reputed company offers an excellent compensation and benefits package including: 401k plan with corporate match, medical and dental insurance, and the opportunity to work for a fast growing, local organization. reputed company, N.A. is an Equal Opportunity and Affirmative Action employer and does not discriminate on the basis of race, reputed company, religion, age, gender, marital status, sexual orientation, national reputed company, disability, military status, veteran status or any other protected class. Apply Job!