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Robert Half Logo Robert Half · Finance

SBA Loan Underwriter

United States, Alamo · Job Posted June 10, 2026
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Job Description

We are looking for an experienced SBA Underwriter to support loan evaluation and credit review activities for a remote Contract position. This role focuses on assessing SBA 7(a) loan opportunities, reviewing borrower financials, and producing clear credit recommendations that align with established lending standards. The ideal candidate brings strong analytical judgment, effective communication skills, and the ability to work closely with processing and closing partners to move transactions forward efficiently.

Job Responsibility

  • Review SBA 7(a) loan files and perform thorough credit analysis to determine overall transaction quality and lending viability
  • Examine and spread applicant financial statements, tax records, and supporting business documentation to assess repayment capacity and risk exposure
  • Request third-party due diligence items, such as appraisals, environmental reports, and business valuations, after obtaining appropriate internal approval
  • Develop well-structured credit memoranda that clearly summarize borrower qualifications, key risks, and underwriting recommendations
  • Present informed credit decisions and recommendations using independent judgment for management or committee review
  • Partner with loan processing staff to help advance approved transactions in a timely manner while maintaining compliance with internal lending guidelines
  • Work closely with the closing team to support smooth execution and completion of loan transactions
  • Identify potential credit concerns early and recommend practical solutions or mitigating factors to strengthen decision-making

Requirements

  • 3-5 years of experience underwriting and spreading SBA 7(a) loans
  • Working knowledge of SBA eligibility standards, lending requirements, and general underwriting guidelines
  • Ability to evaluate financial statements, business performance records, and legal documentation with accuracy and sound judgment
  • Demonstrated skill in recognizing credit risk and recommending appropriate mitigants
  • Strong verbal communication and presentation skills for discussing loan findings and recommendations
  • Effective business writing skills, including the ability to prepare clear and concise credit documentation
  • Background in commercial or small business loan underwriting, including credit underwriting and loan analysis

What we offer

  • medical, vision, dental, and life and disability insurance
  • enrollment in company 401(k) plan
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