The SBA Loan Analyst is responsible for reviewing, credit structuring, documenting and processing loans secured by the Small Business Administration (SBA) to include 7(a), Express, and 504 loans. He or she reviews credit information both for new loans and for existing loans and makes recommendations for approval or decline. The SBA Loan Analyst identifies, analyzes, and evaluates loan risks and compensating factors and ensures the safety of Bank assets. He or she assembles loan packages and ensures that all loans underwritten and sent for approval are complete and meet the Bank's standards and procedures, the SBA’s standard operating procedures, and regulatory underwriting guidelines. In addition, he/she assists with the processing and closing of all SBA loans.

Qualifications

• Must be at least 18 years old
• High school diploma or equivalent required
• Experience helpful, particularly in a financial environment
• Familiarity with general loan documentation helpful
• Knowledge of Microsoft Office computer applications
• Accurate and attentive to detail
• Well organized
• Good typing skills
• Willing and able to help others
• Able to use a computer, adding machine, copy machine, and basic business equipment
• Able to get along well with coworkers

Responsibilities

• Determines SBA eligibility on all SBA loan requests and analyzes all requests efficiently
• Ensures that all documentation is contained in the loan file and that the loan file is complete and meets underwriting standards and regulatory requirements to ensure the safety of Bank assets
• Reviews third party reports as necessary, including, but not limited to, appraisal, environmental, title, insurance, UCC searches, entity documentation (such as corporate by-laws and operating agreements), business valuation, and franchise agreements
• Aids in the training and development of SBA lending bank-wide to help increase with knowledge of those who are processing SBA loans
• Gathers and analyzes financial data for SBA loans
• Assists with the preparation of cash flow analysis, financial statement spreads, projections, and pro-forma analysis and evaluates the adequacy of the applicant's income and the probability that the customer will be able to meet expected financial obligations
• Reviews and/or assists with underwriting credit approval memos and makes recommendations consistent with D.L. Evans Bank Loan Policies and Procedures and SBA Standard Operating Procedures
• Makes recommendations to the commercial loan officer and/or the approving officer for approval or denial of SBA loan
• Reviews periodic borrowing base certificates, contracts, and complex draw requests for compliance
• Maintains and projects the Bank's professional reputation
• Keeps management informed of area activities and any significant problems or concerns
• Attends meetings as required
• Serves as a representative for D.L. Evans Bank in the community
• Promotes D.L. Evans Bank at all times
• Completes special projects as assigned

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!
D.L. Evans Bank is an Equal Opportunity Employer (EOE/AA/W/M/Vets/Disabled). VEVRAA Federal Contractor.

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance