Job Description
SBA Underwriter - Community Bank Platform
Position Overview
* Seeking an experienced SBA Underwriter to evaluate, structure, and approve SBA 7(a) and 504 loan requests in alignment with SBA SOP and bank credit policy
* High-visibility role partnering with lenders, credit leadership, and closing teams to support responsible small-business growth
* Opportunity to join a relationship-driven, community-focused institution with strong executive support for SBA expansion
Key Responsibilities
* Perform comprehensive credit analysis and underwriting for SBA 7(a) and 504 loan transactions
* Assess cash flow, collateral, guarantor strength, global debt service, and risk rating
* Ensure strict adherence to SBA SOP, eligibility, and documentation requirements
* Structure loan terms, conditions, and covenants to mitigate risk while supporting borrower success
* Prepare clear, well-supported credit memorandums for approval authorities
* Partner with lenders to pre-screen opportunities and recommend viable deal structures
* Coordinate with closing, processing, and servicing to ensure guaranty integrity and salability
* Support portfolio quality and compliance reviews , including file remediation when needed
Qualifications
* 3+ years of SBA underwriting experience within a bank, credit union, or SBA lending platform
* Strong knowledge of SBA 7(a) and/or 504 programs , SOP requirements, and eligibility rules
* Demonstrated ability to analyze complex financial statements, projections, and business plans
* Experience structuring start-ups, acquisitions, partner buyouts, CRE-supported, and working-capital deals
* Excellent written communication skills for credit presentations and approvals
* Detail-oriented with strong risk awareness and regulatory mindset
* Bachelor's degree in Finance, Accounting, or related field preferred
Why This Opportunity
* Stable, growth-oriented community banking culture with executive visibility
* Meaningful impact supporting local entrepreneurs and small businesses
* Competitive base salary + bonus + full benefits
* Collaborative credit environment with clear advancement potential
If you would like to speak to learn more about this opportunity, please reach out to or
All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.
GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.
Job Tags
Full time, Local area