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.
