SBA Credit Officer

Direct Hire | $100,000 - $150,000

Must Reside in Arizona | 4 days Remote, 1 day Onsite

Why consider this opportunity?

• Operate in a credit union environment that prioritizes quality underwriting over aggressive growth targets
• Build deeper expertise in SBA 504, SBA 7(a), and USDA programs-skills that are highly transferable and in demand
• Enjoy the security of a well-established institution with fewer layers, faster decisions, and more autonomy.

In this role, you will:

· Manage and monitor a portfolio of SBA 504, SBA 7(a), and USDA loans

• Support underwriting and servicing through financial analysis, documentation review, and annual reviews
• Serve as the primary contact for borrowers, fostering strong relationships and retention
• Identify and resolve documentation, servicing, and compliance exceptions
• Monitor delinquency and credit risk, escalating issues as needed
• Ensure compliance with SBA requirements, internal policies, and regulatory standards
• Collaborate with internal lending teams to support deal execution, loan modifications, and draw approvals

Requirements:

· 5+ years of SBA or commercial credit experience

· Strong working knowledge of SBA 504 and 7(a) programs (USDA a plus)

· Experience reviewing, approving, and recommending SBA credit requests

· Solid understanding of SBA SOPs, underwriting standards, and compliance requirements

· Ability to analyze complex financial statements, cash flow, and loan structures

· Experience partnering with underwriting, servicing, closing, and special assets teams

· Must reside in Arizona and attend on-site meetings one day per week

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, and Los Angeles County Fair Chance Ordinance.