It starts with our culture ... Common sense has never been common. If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions. That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings. We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work. This type of position is ideal for someone looking to build a career in financial services. We will provide you training and coaching throughout your onboarding experience, as well as on the job. As you demonstrate success, there will be opportunities for advancement within our organization. As a SBA Underwriter, you will: Support business development officers through the underwriting and credit analysis function, including structuring credits in compliance with the Bank’s SBA Loan Policy. You will examine a client’s initial SBA 504, SBA 7, and USDA loan applications to validate information for compliance with Bank SBA Loan Policy. Have responsibility for a variety of tasks including preliminary due diligence and analysis for cash flow, financial capacity, and SBA eligibility, including reviewing/analyzing credit bureau data, CAIVRS, tax returns, financial statements, appraisal reports, and supporting loan documentation. Complete spreads and prepare a credit presentation with a recommendation in accordance with Bank and SBA policy and Standard Operating Procedures. Underwriter will also provide additional recommendations on loan structure and alternatives that may be more appropriate for the transaction. Identify any potential loan risks, provide alternative loan restructuring, communicate with Senior Leadership and Loan Operations on changing market trends, while building a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. Ideal candidates will have experience with SBA Credits of all types, including business acquisitions, real estate construction and acquisition, equipment, working capital, and debt refinance transactions. Minimum Requirements: High school diploma or equivalent Minimum 3 years banking experience preferred. Preferred recent experience in SBA 7a and SBA 504 underwriting/lending. Capacity to work with multiple computer and software systems including Microsoft Excel and Microsoft Word Desired Skills: Ideal candidates for this position should possess some or all of the following skills: Bachelor’s degree in Finance, Accounting, or Economics Passionate and motivated self-starter Good interpersonal skills Good research skills Strong work ethic and ability to complete work accurately Ability to think logically in order to analyze situations and make sound decisions Ability to handle multiple tasks simultaneously Work Environment: We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following: We are committed to our core value of meritocracy and supporting our associates in growing within their role When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead. An associate must be able to work overtime to the extent necessary (typically no more than 5%). Benefits: In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here. If this is what you believe in, then you’re definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.