SBA Credit Executive
Carter Bank•Greensboro, NC
•Onsite
About The Position
The SBA Credit Executive is a senior leadership role responsible for setting and maintaining credit standards, overseeing underwriting quality, and ensuring full SBA program compliance across the lending portfolio. This role will work closely with the SBA Lending Director and executive credit leadership to build a credit culture that is both disciplined and deal-forward, understanding the nuances of SBA collateral and eligibility requirements in a way that enables the production team to move efficiently.
Requirements
- Bachelor’s degree in Accounting, Business, Finance or a related field
- Prior SBA lending experience with significant credit or underwriting responsibility
Nice To Haves
- MBA preferred
- Prior experience as a credit administrator or senior underwriter within a dedicated SBA division preferred
- Advanced knowledge of SBA 7(a) program mechanics, SOP compliance, collateral requirements, and eligibility standards
- Advanced understanding of collateral shortfall analysis, project costs, and working capital structures common in SBA deals
- Advanced financial analysis skills
- Advanced problem-solving skills
- Advanced business writing skills
- Advanced organizational skills
- Advanced proficiency with Microsoft Excel
- Intermediate negotiation skills
- Intermediate verbal and written communication skills
- Intermediate collaboration skills
- Intermediate leadership skills
- Intermediate understanding of SOX compliance, internal audit, or regulatory examination preparation
- Intermediate proficiency with loan origination and documentation software
- Intermediate proficiency with Microsoft Office
Responsibilities
- Establish and maintain the division’s SBA credit policy, underwriting standards, and loan approval framework
- Review and approve SBA 7(a) loan requests, ensuring compliance with SBA SOP, program eligibility, and internal credit policy
- Lead and mentor the SBA underwriting team, providing guidance on complex credits, collateral shortfalls, and structuring decisions
- Serve as the primary credit liaison between the SBA lending division and the institution’s Chief Credit Officer
- Participate in loan committee and provide credit recommendations on submissions requiring elevated approval
- Ensure audit readiness across the loan portfolio, including SBA authorization compliance and file documentation standards
- Monitor portfolio performance metrics including delinquency, default rates, and classified assets
- Oversee special assets, workout, and liquidation activity in coordination with the Director
- Maintain working knowledge of current SBA SOP requirements and regulatory updates
- Build and refine the division’s credit process workflows, approval checklists, and underwriting templates
- Support the development of SOX compliance documentation and internal controls relevant to the lending function
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What This Job Offers
Job Type
Full-time
Career Level
Senior
