Senior SBA Loan Underwriter

SUMMARY:You are a driven, highly competitive, and accountable credit underwriter with strong expertise in business lending, including SBA (7(a) and 504), C&I, and CRE financing. You may be seeking a new opportunity with growth potential, and a positive culture and working environment.Integro Bank is recognized as the top-performing Arizona-based bank across key metrics, including loan growth, deposit growth, and SBA lending. As an SBA Preferred Lender, Integro Bank was recently ranked the #1 Arizona-based bank for SBA 7(a) loan funding over the past 12 months. To support this continued growth, we are expanding our team. The Bank will consider a remote position for a highly qualified candidate. The Senior SBA Loan Underwriter position is a lead credit position that analyzes credit and financial reports in order to manage borrower and portfolio risks for the Bank. This role will work directly with our Business Development Officers (BDO’s) to assist with appropriate SBA credit structuring opportunities and will be actively involved in the writing and development of the credit presentation and approval. This position will also include a “front seat” at the Credit Administration and Technology tables as we build out our credit portfolio and further enhancements to our technology workflows, automations, and Abrigo Sageworks platform.  ESSENTIAL FUNCTIONS:1.     Determine loan request’s eligibility in terms of the lender’s policy and guidelines as well as the SBA’s Standard Operating Procedure and structure transactions which meet lender’s guidelines and the appropriate SBA loan program.2.     Prepare detailed financial analyses of borrowing entity, any corporate guarantors and/or affiliates, and principles in the transaction by obtaining, reviewing, and approving all credit reports, UCC searches, CAIVRS, OFAC, and other necessary documentation for accuracy, compliance, and acceptability for SBA guaranty and lender compliance with regulators.RESPONSIBILITIES:1.     Maintain up to date working knowledge of government guaranty loan program (SBA, 7a, 504, Express, USDA B&I), including changes to the programs implemented by the governing agency as well as SBA Standard Operating Procedures.2.     Analyze bids and contracts, plans and/or drawings, for construction projects accounting or all hard and soft costs, feasibility, etc.3.     Review and spread business and personal financial information including leases and rent rolls received to provide detail for historical comparison and analysis.4.     Document cash flows for operating business entities, real estate holding companies and individuals, as well as an overall global cash flow for loan analysis and loan approval.5.     Produce projections, pro-forma statements and sensitivity analysis as appropriate.6.     Perform Small Business Administration (SBA) audit quality review and approval of loan application and submission documentation (912, citizenship, ownership, and other eligibility) at time of underwriting for full compliance with SBA, 7a, Express and 504 loans, lender credit standards, and feasibility of the proposed transaction.7.     Utilize checklists and file system tools, communicate any deficiencies with team and issue appropriate letters and communications to drive the underwriting process.8.     Prepare written and verbal presentations of financial information including detailed formal credit analysis with recommendations for loan approval or denial. The Senior SBA Loan Underwriter attends and presents loans to Credit Officers and/or Credit Committee(s) for approval.9.     Work to maintain established turn-around time SLAs on all loan requests to sustain our reputation as a service-oriented and personable community bank.10. Identify and document exceptions to the Bank credit policy as well as pertinent mitigating factors.11. Review third party reports including commercial and residential appraisals, environmental reports, business valuations, site visits, and equipment appraisals in accordance with lender’s/SBA standards for compliance, using lender forms when applicable.12. Provide accurate reporting of all loan updates and status changes within lender’s loan processing platform, Abrigo Sageworks.13. Prepare timely modifications to complete loan closings, confirming approvals are in place when required, and obtain necessary approvals.14. Provide credit support, as needed, for annual reviews and financial analysis of loans in the portfolio, and evaluate borrower servicing requests, loan modifications, and workouts.15. Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.16. Maintain a thorough knowledge of all Integro Bank products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act; Anti-Money Laundering; Privacy; Fair Lending; Regulation E; deposit, transaction and loan accounts17. Maintain thorough knowledge of Bank’s credit policy and other Bank policies and procedures.18. Participate in continuing education courses to stay abreast of new banking regulations.19. Represent Integro Bank in the community and at community events.20. Act as a training resource for Relationship Managers, Portfolio Managers, and Credit Analysts related to understanding and interpreting financial statements, tax returns, and cash flow analysis. Also reinforce the Bank’s commitment to sustaining high credit quality and strong credit culture.21. Perform all other duties as assigned.QUALIFICATIONS: Knowledge, Skills & AbilitiesDemonstrated analytical and problem-solving skills.Experience working in a fast-paced environment where required to prioritize and deal effectively with varying workloads and meet deadlines. Time management is critical.Proven experience working independently with assertive decision-making for loan recommendations.Exceptional communication skills required, both verbal and written, including courteous and professional interaction, establishing trust and maintaining productive relationships with customers, peers, relationship managers and bank management.Quickly grasps Bank analysis software and retains information.Experience with Abrigo Sageworks, and FIS Horizon (core system) platforms highly desired.Broad experience in C&I, CRE, SBA lending underwriting highly desired. Proficient with Microsoft Office Products – Word, Excel and Outlook.EDUCATION & EXPERIENCEBachelor’s degree in accounting, business or finance preferred. 5 years in Commercial Banking (e.g., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial lending), required5 years of SBA Underwriting experience required.The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: Integro Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.About Integro Bank:. Our Mission is to “Lift and Transform Lives.” We focus on helping small businesses maximize growth because “Employment lifts people up and transforms lives”.Our Core Values are:Earn and be worthy of Trust: Trust is everything. Be authentic, honest, make personal connections and keep your promises.Demonstrate an optimistic and positive attitude: Our intentions should be upbeat, positive and lift others up. Positivity breeds success.Focus on client-centric solutions: We listen, understand and WOW our clients.We deliver results: Own it, be accountable, committed and strive for positive outcomes in everything we do.Benefits: Comprehensive benefits package including Health, dental and vision insurance, paid time off, company paid life insurance, short and long-term disability, 401k, and tuition savings program.