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Business/SBA 7a Loan Underwriter (Full-Time, Exempt)

San Antonio, TX
LiftFund is a multistate non-profit microfinance company and small business lender that helps new and existing entrepreneurs successfully grow their business. LiftFund is the largest micro lender in the United States.
Position Title:          Business/SBA 7a Loan Underwriter (Full-Time, Exempt)
Reports to:                Chief Credit Officer

Minimum Qualifications:
  • Four (4) years’ experience in business lending, loan underwriting, credit granting, finance, and credit analysis.
  • College Degree in Accounting, Business, Finance, Economics, or related field
  • Proficient in financial analysis
  • Quantitative thinker with ability to make evaluations based on large number of variables
  • Experience in Federal Small Business Loan Programs, specifically SBA7a.
  • Effective decision-making skills
  • Excellent interpersonal, communication, negotiation, organizational and time management skills
  • Advanced skills in MS Excel
Preferred Qualifications (In order of importance):
  • Passion for providing credit to small businesses that do not have access to loans from commercial sources.
  • Experience with Personal and  Business Income Tax Return Forms
  • Experience in commercial real estate lending and interaction with real estate title companies
  • Experience in reviewing and preparing SBA loan forms
  • Familiar with SBA SOP
  • Ability to identify time sensitive issues and work within time constraints
  • Computer Proficiency in MS Office applications
  • Ability to work a flexible schedule -including travel
  • Customer Service and Conflict Resolution skills
  • Ability to work independently with little supervision
  • Must be detail oriented
  • Must be self-motivated and goal oriented
  • Bi-lingual (English/Spanish)
  • Recognize and act in accordance with Lender underwriting and credit granting criteria
  • Review and evaluate small business loan applications. The evaluation includes: Review and analysis of individual and business credit reports, bank statements, financial statements, personal and business tax returns, business plans, financial projections, pay stubs, and all other sources of income.
  • Review and evaluate collateral and make the necessary conditions and recommendations to execute loan agreements in accordance to policy
  • Recommend denials, approvals, or cancellations to proper loan authority. Including write ups of credit memorandums for internal or external committees or agency reviews.
  • Approve Loans in compliance with lending authority.
  • Responsible for the review, evaluation and submission of SBA 7a Community Advantage loan applications according to SBA guidelines.
  • Work with lending staff to identify SBA Community Advantage 7a eligible loans.
  • Conduct all other duties as assigned

Salary and benefits: Salary commensurate with experience and qualifications + Bonus opportunity

·Attractive Health Benefits: Medical, Dental, Vision and Life Insurance with significant Company cost sharing, along with a Company-sponsored Flexible Spending Account stipend

·Advancement Opportunities

·401(k) with a generous Company match up to 5%

Background checks are conducted of top candidates.
Send resume with cover letter indicating salary requirements to:
LiftFund Inc. /HR                                    Fax: 210-533-2940
2007 W. Martin                                       Email: jhernandez@liftfund.com  
San Antonio, TX 78207                           www.liftfund.com     
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