SBA Credit Analyst 6

U.S. Bank • Brookfield, WI

3d • $105,400 - $124,000 • Hybrid

About The Position

Independently analyzes and underwrites complex SBA and commercial credit transactions and develops lending recommendations for new originations, renewals, and extensions. Applies in-depth knowledge of SBA 7(a) and 504 lending requirements, SBA SOPs, and internal credit policies to assess eligibility, structure transactions, identify policy considerations, and develop sound credit recommendations.

Performs comprehensive credit analysis, including financial statement spreading, cash flow and repayment capacity analysis, credit risk assessment, and evaluation of transaction structure. Reviews credit requests and existing relationships to identify credit quality concerns, mitigate risk, and minimize potential loss. Uses credit systems, financial analysis software, and other technology-based tools to support underwriting and credit analysis.

The role requires working from a U.S. Bank location three or more days per week.

Requirements

• Bachelor’s degree or equivalent work experience.
• Typically six or more years of relevant work experience.
• Ability to read, spread, and interpret financial statements and explain the story behind metrics.
• Ability to assess risk, structure commercial credit, and understand approval processes.
• Strong written and verbal communication with internal partners.
• Comfort working in a fast-paced environment with multiple priorities.
• Ability to work from a U.S. Bank location three or more days per week.

Nice To Haves

• Direct SBA credit analysis and underwriting experience.
• Transferable experience in C&I underwriting, broad commercial credit, financial analysis, or accounting.
• Experience with nCino; beneficial but not required.

Responsibilities

• Independently analyze and underwrite complex SBA and commercial credit transactions.
• Develop lending recommendations for new originations, renewals, and extensions.
• Apply SBA 7(a) and 504 requirements, SBA SOPs, and internal credit policies to assess eligibility, structure transactions, and identify policy considerations.
• Perform financial statement spreading, cash flow and repayment capacity analysis, credit risk assessment, and transaction structure evaluation.
• Evaluate credit requests and existing credit relationships to identify credit quality concerns, mitigate risk, and minimize potential loss.
• Use credit systems, financial analysis software, and other technology-based tools in underwriting and credit analysis.

Benefits

• Medical, dental, and vision healthcare coverage.
• Basic term and optional term life insurance.
• Short-term and long-term disability insurance.
• 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 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
• Incentive and recognition programs.
• Equity stock purchase, 401(k) contribution, and pension, subject to eligibility requirements.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior