SBA Credit Analyst
Commercial Bank of California•Irvine, CA
•$30 - $35•Hybrid
About The Position
Commercial Bank of California is seeking a detail-oriented and motivated SBA Credit Analyst to join its SBA Department. The role supports underwriting and portfolio management for SBA-guaranteed loans by analyzing applications for eligibility, preparing SBA-specific credit materials, and ensuring compliance with SBA Standard Operating Procedures and requirements. The analyst also maintains credit files, monitors existing credit relationships and portfolio performance, and coordinates with internal teams and customers on documentation, renewals, and compliance.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 1–2 years of experience in SBA lending, credit analysis, or a related area.
- Knowledge of SBA loan programs, SOPs, and compliance requirements.
- Strong analytical, organizational, and communication skills, with the ability to work in a fast-paced environment.
- Ability to prioritize work assignments; attention to detail; flexibility in a changing work environment; customer-service orientation; and a strong sense of urgency.
- Computer literacy in Windows, Word, and Excel.
Responsibilities
- Analyze SBA loan applications for eligibility and compliance with SBA SOPs.
- Prepare SBA-specific credit presentations and memos for new loans and renewals.
- Coordinate with SBA and internal teams to ensure proper documentation and approvals.
- Monitor SBA portfolio performance and maintain guaranty compliance.
- Ensure customer credit documentation, including loan applications, financial statements, tax returns, credit reports, and account information, is complete and current.
- Maintain accurate and organized credit files in compliance with internal policies.
- Monitor and update financial statements to ensure they remain current and meet loan agreement requirements.
- Track existing credit lines for compliance with loan terms and covenants.
- Review maturing loan reports and coordinate with account officers regarding renewals.
- Prepare renewal notifications and request updated financial information from customers.
- Identify and promptly report covenant violations and recommend appropriate actions.
- Evaluate loans for changes in risk and assist in risk rating adjustments.
- Support collateral reviews and audits for asset-based lending relationships.
Benefits
- Competitive employer contribution to medical, dental, and vision coverage
- 401(k) plan with employer match
- Flexible Spending Accounts (FSA) and Dependent Care Accounts
- Employee Assistance Program (EAP)
- Employer-provided Calm subscription
- Employer-provided mental health benefits through Teladoc
- Life, AD&D, and disability insurance
- Minimum 15 days of vacation
- 11 paid federal holidays
- Paid time off to volunteer
- Online discount program
- Tuition Reimbursement Program
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
