SBA Underwriter

United Federal Credit Union is looking for an experienced SBA Underwriter to help evaluate SBA lending opportunities and support sound credit decision-making. In this role, you will analyze loan requests, assess financial risk, ensure compliance with SBA requirements, and work closely with lending partners to deliver timely credit recommendations.

This position offers the opportunity to work closely with a collaborative SBA lending team while making a meaningful impact on small businesses across the communities we serve.

What You'll Do

·   Underwrite SBA loan applications in accordance with SBA guidelines and UFCU credit policies.

·   Review borrower financial statements, tax returns, and supporting documentation to assess creditworthiness and repayment capacity.

·   Prepare cash flow analyses and credit recommendations that clearly identify transaction risks and mitigating factors.

·   Ensure loan requests meet SBA eligibility requirements and UFCU lending standards.

·   Review and evaluate third-party reports, including:

-  Business valuations

-  Environmental reports

-  Real estate appraisals

-  Other due diligence documentation

·   Collaborate with SBA Business Development Officers and other lending partners throughout the underwriting process.

·   Communicate credit decisions and prepare credit modifications or change memorandums when necessary.

·   Maintain a strong working knowledge of SBA regulations, lending programs, and underwriting best practices.

·   Assist with policy updates and process improvements related to SBA lending.

·   Participate in ongoing training to remain current on SBA requirements and industry changes.

What We're Looking For

Required Qualifications

·   Bachelor's degree in Business, Finance, Economics, or a related field.

·   Minimum of two years of SBA underwriting experience.

·   Strong financial analysis and cash flow modeling skills.

·   Experience interpreting financial statements, tax returns, and commercial credit information.

·   Proficiency with Microsoft Excel and Microsoft Word.

·   Strong written communication skills with the ability to present credit recommendations clearly and concisely.

Preferred Attributes

·   Excellent analytical and problem-solving abilities.

·   Strong organizational and time management skills.

·   Ability to manage multiple priorities in a fast-paced environment.

·   Comfort working independently while collaborating effectively across teams.

·   Sound business acumen and strong decision-making skills.

·   Commitment to accuracy, integrity, and continuous learning.

Why Join United?

At United Federal Credit Union, you'll be part of a member-owned financial cooperative that has been helping people achieve financial success since 1949. With more than 190,000 members, over $4 billion in assets, and nearly 40 locations across seven states, United combines the strength of a growing organization with a people-first culture focused on service, community involvement, and employee growth. Join a team that is committed to making a positive impact for members, communities, and one another.

Benefits & Perks

·   Competitive compensation

·   Comprehensive medical, dental, and vision coverage

·   401(k) with company match

·   Paid time off and holidays

·   Professional development opportunities

·   Employee wellness programs

·   Collaborative and supportive team environment

Work Location & Eligibility: We currently offer remote work opportunities for candidates residing in Arkansas, Florida, Georgia, Idaho, Indiana, Kansas, Kentucky, Michigan, Minnesota, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. To be considered, candidates must be legally authorized to work in the United States on a permanent basis without the need for current or future employment visa sponsorship.

EOE/Vets/Disability