Business Loan Underwriter III (Special Assets)

Location: Hybrid work 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 and training may be required.

Salary: $78,400–$123,200 annually.

Company

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

What you will do

• Underwrite business loan applications across all complexity levels, including SBA, participation, and multi-million-dollar commercial real estate loans.
• Analyze financial statements, tax returns, credit reports, cash flows, financial ratios, and business viability.
• Determine creditworthiness, assign risk ratings, and recommend covenants and risk-mitigation actions.
• Develop alternative deal structures, evaluate exceptions and counteroffers, and approve or decline loans within assigned authority.
• Present loan packages exceeding approval authority to senior business lending management and support loan closing and disbursement.
• Monitor borrower financial information, prepare regulatory and SBA reports, maintain underwriting procedures, and mentor other business units.

Requirements

• Excellent understanding of business underwriting principles, financial ratios, trend analysis, and cash flow analysis.
• Experience evaluating supporting information and risks across different business types.
• Advanced knowledge of database, word-processing, and SBA industry systems.
• Proficiency with Microsoft Word, Excel, or related software applications.
• Thorough knowledge and extensive experience in credit union or retail banking operations.
• Exceptional analytical, organizational, interpersonal, verbal, and written communication skills.

Culture & Benefits

• Full-time employment with competitive pay and benefits.
• Culture focused on engagement, commitment, and appreciation for employees.
• Regular Monday–Friday schedule during standard business hours.
• Opportunities to mentor colleagues and provide leadership in the supervisor’s absence.