SBA/Commercial Credit Analyst I

Redwood Credit Union is looking for an SBA/Commercial Credit Analyst I, who will prepare SBA and commercial loan applications in accordance with the Credit Union’s underwriting guidelines and influence the quality of credit through guideline adherence. Draft loan recommendations, including analysis of financial and other information, to present in a concise, accurate written form as prescribed by Credit Union. Assist with administration of the loan portfolio. Develop, learn, understand, and adhere to SBA lending and SBA Standard Operating Procedures (SOPs). Must possess working knowledge of loan requirements for SBA and commercial lending with a demonstrated ability to perform research activities and loan portfolio analyses.   Key Responsibilities Business Loan Functions: o Analyze credit worthiness, including review of tax returns, financial statements, credit reports, business plans, and other relevant information. o Prepare draft credit recommendation, risk rating recommendation, spreadsheets, and other approval documents. o Structure credit memos to best meet the Credit Union’s risk and profitability requirements while maintaining a competitive position in the marketplace. o Maintain contact with other credit administration team members through the loan closing process as needed, to ensure all conditions and loan requirements are satisfied, including regulatory compliance. o Perform periodic review of loans; maintains contact with Members and RCU team members as required.