What are the responsibilities and job description for the SBA Contract Underwriter position at Beach Cities Commercial Bank?
Company Description
Beach Cities Commercial Bank (BCCB) combines advanced technology with personalized service to deliver a unique banking experience. As a customer-focused organization, BCCB strives to support clients' success by offering tailored financial solutions and building strong, personal partnerships. Known for its exceptional service, BCCB blends the innovation of large banks with the approachability of a community bank. The bank is committed to making every customer interaction seamless, delightful and results driven.
Job Summary
This is a contract-based, position based in Irvine, CA. The SBA Underwriter is responsible for analyzing the financial strength, creditworthiness, and risk profile of existing and prospective business clients. They gather, analyze, and interpret financial information to structure credit transactions - such as lines of credit, term loans and commercial real estate loans - that align with the bank's risk appetite and lending policies. The underwriter prepares comprehensive credit memorandums, makes recommendations to loan committees, and monitors portfolio performance to manage risk.
Qualifications
- Strong skills in financial analysis, risk assessment, and credit decision-making
- Proficiency in reviewing financial statements, tax returns, and credit reports
- Familiarity with SBA SOP guidelines, policies, and loan programs
- Proven ability to collaborate with loan officers and other team members effectively
- Attention to detail, analytical thinking, and problem-solving abilities
- Excellent written and verbal communication skills
- Experience with SBA lending technology platforms is preferred
- Bachelor’s degree in finance, accounting, or a related field is highly desirable