SBA Credit Analyst

Commercial Bank of California (CBC) is the largest Latino-owned bank in California, dedicated to empowering small businesses and ensuring financial inclusion. The SBA Credit Analyst will be responsible for underwriting and portfolio management for SBA-guaranteed loans, analyzing loan applications, and ensuring compliance with SBA guidelines. Responsibilities Analyze SBA loan applications for eligibility and compliance with SBA SOPs Prepare SBA-specific credit presentations and memos for new loans and renewals Coordinate with SBA and internal teams to ensure proper documentation and approvals Monitor SBA portfolio performance and maintain guaranty compliance Ensure all customer credit documentation—including loan applications, financial statements, tax returns, credit reports, and account information—is complete and up to date Maintain accurate and organized credit files in compliance with internal policies Monitor and update financial statements to ensure they remain current and meet loan agreement requirements Track existing credit lines to ensure compliance with loan terms and covenants Review maturing loan reports and coordinate with account officers regarding renewals Prepare renewal notifications and request updated financial information from customers Identify and report covenant violations promptly and recommend appropriate actions Evaluate loans for changes in risk and assist in risk rating adjustments Support collateral reviews and audits for asset-based lending relationships Skills Bachelor's degree in Finance, Accounting, Economics, or a related field 1–2 years of experience in SBA lending, credit analysis, or a related area Knowledge of SBA loan programs, SOPs, and compliance requirements Strong analytical, organizational, and communication skills; ability to work in a fast-paced environment Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency Computer literate in Windows, Word, Excel software Benefits Competitive employer contribution to medical, dental and vision coverage 401k plan with employer match Flexible Spending Accounts (FSA) and Dependent Care Accounts Employee Assistance Program (EAP) Employer provided Calm subscription Employer provided mental health benefits through Teladoc Life, AD&D and disability insurance Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer Online discount program Tuition Reimbursement Program Company Overview Commercial Bank of California is a full-service bank that offers traditional deposit, online and lending services. It is a sub-organization of CBC Bank. It was founded in 2003, and is headquartered in Irvine, California, USA, with a workforce of 201-500 employees. Its website is Company H1B Sponsorship Commercial Bank of California has a track record of offering H1B sponsorships, with 1 in 2021. Please note that this does not guarantee sponsorship for this specific role.