SBA Junior Credit Analyst - Rock Prairie

PROSPERITY BANK • College Station, TX

11d • Onsite

About The Position

With the assistance of senior team members, the Junior SBA Credit Analyst provides foundational analytical support to the commercial lending team by evaluating the financial strength and creditworthiness of small business loan applicants. Operating in an entry-level capacity, the primary focus of this role is to develop expertise in commercial financial statement analysis, reporting and SBA regulatory guidelines (SBA 7a and 504 programs). This position serves as a training pipeline, transforming strong academic foundations in accounting and finance into practical skills required to assess risk, structure compliant loans, and support the credit approval process.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related business discipline is required or equivalent practical experience.
• Successful completion of core accounting courses (e.g., Financial and Managerial Accounting) and finance courses (e.g., Corporate Finance, Financial Analysis) is required.
• 1 to 3 years of Commercial Credit Analysis experience
• Intermediate proficiency in Microsoft Excel (formulas, data organization) with a strong aptitude for learning proprietary banking and financial software.
• High attention to detail, strong quantitative problem-solving skills, and clear written communication capabilities.

Responsibilities

• Inputs and analyzes financial data from borrow tax returns, CPA-prepared statements, interim balance sheets, and profit & loss statements.
• Assists with the monthly preparation, balancing, and submission of the SBA Form 1502 report to ensure accurate tracking of loan disbursements, outstanding balances, secondary market payments, and SBA fee remittances.
• Assists senior team members in calculating and reviewing global cash flow, Debt Service Coverage Ratios (DSCR), and net worth by evaluating Personal Financial Statements (PFS) and tax documents as required.
• Reviews loan requests against current SBA Standard Operating Procedures (SOP) to ensure basic applicant eligibility, franchise approval status, and use of proceeds compliance.
• Drafts preliminary sections of Loan Approval Worksheets (LAWs) and credit memos, summarizing credit strengths, potential risks, and identified mitigating factors, as required.
• Monitors the collection of required underwriting documents and clears post-approval credit conditions to ensure files are complete for the closing team.
• Partners with Relationship Managers/Loan Officers and other collaborators to promptly resolve basic financial data gaps or documentation discrepancies found during the initial file review and to provide preliminary SBA loan structures.
• Supports overall team objectives by completing additional tasks as requested by management.

What This Job Offers

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