SBA Underwriter

Climate First Bank

3d•Remote

About The Position

We are seeking a driven, mission-aligned individual to join our team as an SBA Underwriter. This role is crucial in helping entrepreneurs secure the capital they need to grow and succeed. The SBA Underwriter will serve as the key connection between our SBA Lending team, borrowers, and the U.S. Small Business Administration, ensuring loans are well-structured, compliant, and aligned with SBA SOP. This position requires a unique blend of analytical expertise, strategic thinking, and relationship-building skills.

Requirements

3-5 years of direct SBA underwriting experience with deep knowledge of SBA SOP and products.
Skilled in financial analysis, report interpretation, and loan structuring.
Bachelor’s degree in finance or equivalent education with formal credit training preferred.
Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, seek operational efficiencies and are an analytical thinker with a strong focus on data-driven decision making. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.
Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you masterfully build relationships and develop business with strong influencing and decision-making skills.
Banking & Fintech Acumen- You are highly educated in financial products and services, applicable regulations and laws. You also possess strong overall business acumen and the ability to interpret financial reports and legal documents. Strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required.
Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product and streamline your creative process.
Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed.
Stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC.

Responsibilities

Analyze SBA loan applications for small and mid-size businesses and professional practices in accordance with current SBA guidelines.
Underwrite loans ranging from $200,000 to $5,000,000 for purposes including owner-occupied commercial real estate, equipment, acquisitions, expansions, and debt refinancing.
Review financial statements and third-party reports, assess creditworthiness, and apply sound judgment in conventional credit analysis.
Structure deals balancing opportunity and risk; make confident, well-supported recommendations.
Manage the underwriting process by preparing detailed credit approval requests, including financial analysis, business history, collateral adequacy, and management assessment.
Serve as liaison between credit administration, sales teams, and borrowers to ensure smooth communication.
Demonstrate commitment to social, economic, environmental, and racial justice.
Engage in ongoing education related to sustainability practices and core values.
Identify and mitigate credit weaknesses and policy exceptions to safeguard both the bank and borrowers.
Assign accurate credit risk ratings and adhere to all bank policies, procedures, and regulatory requirements.
Collaborate with Compliance to investigate suspicious activity and prevent fraud.
Stay informed on legal and regulatory changes; complete all compliance and IT training promptly.

Benefits

Annual bonus, incentives and equity
100% employer-paid health coverage for employees
Employer contribution for dependents
Medical, Dental & Vision Insurance
Health Savings Account (HSA)
Free Telemedicine access via Teladoc
401(k) with 6% Employer Match — No Vesting Period
Employee Stock Options
Exclusive Employee Banking Perks
0% Financing for Employee Solar Loans
Employee Only Mortgage Product with exclusive interest rates and terms
0% Financing for Eligible Electric Vehicles (EVs)
Referral Incentives
2–4 Weeks of Vacation based on officer level plus additional tenure-based time
64 Hours of Paid Sick Time for all full-time employees
Company-Paid Life Insurance
Short- & Long-Term Disability Insurance
Voluntary Life, Accident & Critical Illness Coverage
Employee Assistance Program (EAP) with free counseling, legal, and financial services