Business Loan Underwriter III (SBA)

Location: Hybrid role based at 820 Follin Lane, Vienna, Virginia, or 5510 Heritage Oaks Drive, Pensacola, Florida, United States. Monday–Friday, 8:00 AM–4:30 PM. Nationwide travel may be required for training.

Salary: $78,400–$123,200 annually.

Company

hirify.global provides credit union banking and business lending services with a focus on member service and regulatory compliance.

What you will do

• Analyze business loan applications, financial statements, tax returns, credit reports, and relevant financial ratios to determine borrower creditworthiness.
• Underwrite business loans across all complexity levels, including SBA, participation, and multi-million-dollar commercial real estate transactions.
• Structure approved credit deals with appropriate financial, operational, and capital or cash covenants.
• Approve or decline loans within assigned authority and present packages exceeding approval authority to senior business lending management.
• Assess credit risk, assign risk ratings, recommend mitigation actions, and authorize loan disbursements in accordance with applicable policies and regulations.
• Support underwriting operations, maintain documentation and reports, collaborate with Compliance, and mentor other business units.

Requirements

• Excellent understanding of business underwriting principles, financial ratios, trend analysis, and cash flow analysis.
• Extensive experience with credit union or retail banking operations and business loan risk evaluation.
• Advanced knowledge of database, word processing, and SBA industry systems.
• Proficiency with Microsoft Word, Microsoft Excel, or related software.
• Strong analytical, organizational, interpersonal, verbal, and written communication skills.
• Current knowledge of industry regulations, best practices, and applicable state and federal requirements.

Culture & Benefits

• Meaningful career experience in an energized, engaged, and committed environment.
• Competitive pay and benefits.
• Regular weekday working hours with a hybrid work arrangement.
• Opportunities to mentor colleagues and provide division leadership when needed.