[Hiring] SBA Underwriter @Climate First Bank

Role Description

As the SBA Underwriter, you’ll be the driving force behind helping entrepreneurs secure the capital they need to grow and succeed. Your role is a unique blend of analytical expertise, strategic thinking, and relationship-building. You’ll 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.

What You’ll Contribute in This Role:

• Nothing Gets Past You:
  • 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.
• Process with Purpose:
  • 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.
• Champion Our Mission:
  • Demonstrate commitment to social, economic, environmental, and racial justice.
  • Engage in ongoing education related to sustainability practices and core values.
• Protect Our Organization and Customers:
  • 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.

Qualifications

• 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.

Requirements

• Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results.
• Master Communicator - You communicate with confidence, precision, and professionalism.
• Banking & Fintech Acumen - You are highly educated in financial products and services, applicable regulations and laws.
• Tech-Forward and Analytical Thinking - You learn new tools quickly and leverage technology to optimize your work product.
• Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do.

Benefits

• Compensation - In addition to the base salary, this position may be eligible for an annual bonus, incentives, and equity.
• Health Coverage - 100% employer-paid 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.
• Generous Paid Time Off - 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.
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.