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

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