Santa Ana – Credit Analyst / Underwriter- SBA (106312)

Amanda has been an SBA Credit Analyst / Underwriter for three years and enjoys all elements of credit analysis and underwriting.

She is seeking an opportunity with a greater Santa Ana area bank.

Amanda’s career skills as an SBA credit analyst / underwriter include:

  • SBA underwriting 7a’s (PLA’s) and SBA Express.  Knowledge of fees, compliance and submissions
  • Collaborated in the process of underwriting and funding process of approved loans, resulting in commercial lending over $10MM per year.
  • Established customer trade credit lines, conventional loans, SBA 7(a) term loans, 504 bridge loans, and SBA express lines by pulling Dun & Bradstreet reports, reviewing credit references, and conducting a comprehensive analysis of financial performance.
  • Presented detailed credit underwriting recommendation reports, Expression of Interest letters, and articulated cash flow analysis of the prospective loans ranging from $100M to $4MM to relationship manager and senior vice president regional credit manager for approval.
  • Evaluated and proposed the approval of commercial loans for small and medium size businesses based on credit history, capacity of repayment, pledged collateral, capital assets, and loan purpose.
  • Accomplished an 80% loan approval rate and executed thorough credit analysis.
  • Prepared credit approval presentations for loans to commercial organizations in real estate, transportation, healthcare service, construction, restaurant/lodging, manufacturing, auto repair/dealer, and professional service industries.
  • Assisted in preparing analytical accounting reports including, analyzing annual cost reports, and preparing spreadsheets reflecting financial reconciliations.
  • Perform risk rating analysis using various risk rating models on a mix portfolio that consists of renewals, reviews and small enhancements..
  • Risk management – ability to make sound credit decisions and recommendations via written or verbal presentations.
  • Negotiates loan terms, rates, loan fees and bank products with business customers.

Amanda is asking for a base salary minimum of $78K.

Kindly call Jeanie Maher or Tom Szmanda at 847-325-5457 or email us at: