Gary Wofford

Highly accomplished Commercial and SBA Senior Underwriter with over 25 years of comprehensive financial servicing, complex risk assessment, and portfolio management experience. Proven track record executing high-volume commercial, construction, and SBA 7(a)/504 pipelines from origination through approval and closing. Plug-and-play expert across key banking platforms, maintaining deep, current knowledge of federal lending parameters, SBA SOP 50 10 8 guidelines, and strict credit policy compliance.

Senior Credit Analyst - Innovative Financing Solutions - Drexel Hill, PA (Remote)

(2024-04)

• Underwrite complex SBA 7(a) and commercial loan applications ranging from $300K to $2.0M+, ensuring total compliance with credit policy and SBA SOP 50 10 8 guidelines.
• Utilize Spark and E-Tran software to orchestrate document collection, spread financial data, analyze risk profiles, and seamlessly submit credit packages for formal SBA approval.
• Successfully packaged, structured, and closed 20+ SBA transactions by partnering directly with multiple participant banks and secondary market investors.
• Manage high-touch communication pipelines with borrowers, third-party vendors, BDOs, and internal closing representatives to systematically resolve file deficiencies and expedite funding timelines.

VP, SBA Regional Loan Officer - GBANK - Las Vegas, NV (Remote)

(2022-08 - 2023-11)

• Structured and underwrote high-volume SBA 7(a) loan pipelines ranging from $300K to $1.5M+, delivering meticulous credit memorandums detailing cash flow, repayment ability, and global leverage.
• Directed risk mitigation processes by ordering, reviewing, and analyzing third-party reports, including commercial real estate appraisals, business valuations, and Environmental Phase I/II assessments.
• Engineered a cross-functional State Requirements Database that standardizes distinct state legal mandates, directly accelerating loan closing speeds for national Underwriters, Closers, and BDOs.

SBA Underwriter III - Incredible Bank - Wausau, WI (Remote)

(2021-09 - 2022-01)

• Processed, analyzed, and decisioned complex, high-exposure SBA loan portfolios under strict turnaround constraints utilizing institutional delegated authority.

AVP / Loan Underwriter - Heritage Bank - McDonough, GA (Hybrid)

(2018-12 - 2021-09)

• Managed local and regional commercial mid-market credit risk pipelines, leveraging Sageworks and Moody's Analytics for local C&I, construction, and commercial real estate portfolios.

Credit Analyst II - Newton Federal Bank - Covington, GA

(2017-03 - 2018-12)

• Handled financial spreading, global cash flow analysis, and historical portfolio stress testing for diverse regional commercial relationships.

AVP, SBA Loan Underwriter - NEWTEK - Lake Success, NY (Remote)

(2014-07 - 2016-10)

• Evaluated and decisioned high-volume national SBA 7(a) loan pipelines for one of the country's largest non-bank SBA lenders.

Bachelor of Business Administration (BBA) - Marketing - Georgia Southern University