Sr. SBA Commercial Credit Officer

Division: Beacon Bank & Trust

Department: Small Business – 44 Business Capital

Reports to: SBA Commercial Credit Team Leader

Status: Exempt/Officer

Grade: 11

Pay Range: $66,699 - $122,975

Salary range updated 4/10/2026. Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

Location: (PA, NY, MA, CT, RI, VT)

Purpose/Objective

Perform financial analysis and prepare underwriting documents to support and make recommendations for complex multimillion-dollar commercial credit requests. The Credit Officer provides support for the deal team in analysis, underwriting, structuring, approval, and documentation.

Key Accountabilities

• SBA Eligibility subject matter expert
• Accountable for underwriting all business opportunities.
• Communicates and maintains active dialogue with both the Relationship Manager and Client.
• Assists in the management of workflow/pipeline for the supported Commercial division to assign and prioritize credit requests.
• Recommends capital structure and accumulates all data necessary to perform focused analysis. Also, manages approvals for amendments and waivers to credit facilities.
• Primary validator of data sources to the Loan Origination Systems and other CRM platforms to ensure correct and accurate KYC/KYB and workflow efficiency.
• Reviews financial statements, projection models and all other relevant financial and non- financial data to develop a concise focused analytical foundation for a credit decision.
• Prepares thorough credit underwriting identifying industry concerns, market share trends, financial trends and other pertinent underwriting issues to present to the approving Credit Officer or Loan Committee.
• Ensures underwriting and structuring decisions reflect commitment to strong asset quality.
• Assist the Relationship Manager in obtaining and negotiating necessary documentation, including the Term Sheet, Commitment Letter and assures that the documentation correctly reflects rates, terms and special conditions.
• Prepares analysis and write-ups for amendments, consents and waivers to existing credit documentation.
• Conducts periodic site visits with the Relationship Manager to assess management and business conditions.
• Attends bank meetings when applicable.
• Monitors the financial performance of portfolio companies to include ongoing covenant compliance and annual reviews.
• Ensure risk rating accuracy and compliance with Credit Policy
• Mentors, but does not manage, staff as assigned.
• Assumes additional responsibilities and duties as directed by the Credit or Associate Credit Director or equivalent to ensure that underwriting objectives throughout the bank are met.
• Assists in department objectives by determining to extend credit to complex commercial relationships. In addition, provides analysis and recommendation to conduct business with specific participation banks and vendors.
• Coordinates with both the Relationship and Portfolio Managers in making recommendations regarding the extension of credit to new and existing commercial clients. In addition, works closely with Relationship and Portfolio Managers in making recommendations on business relationships with commercial clients.
• Exercise loan authority within established limits as applicable. Delegated as needed to meet the LOB objectives. Loan authority will be based on experience level and size and scope of assigned credit portfolio and will also vary based on type of credit request.
• Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.
  
  

Education

• An undergraduate degree in accounting, finance, economics or related field. MBA preferred.
  
  

Experience

• At least 7 years lending/credit experience. or equivalent ascending experience in a similar credit/banking environment
  
  

Skills & Knowledge

• Demonstrated high level of credit and financial acumen, interpersonal skills and decision/solution effectiveness.
• Effective verbal and written communication skills, involving other lenders, clients and prospects.
  
  

Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at hr@berkshirebank.com.