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Sba Underwriter

Midwest BankCentre
Full Time
Posted 15 days ago
Job description

Midwest BankCentre is proud to be recognized as one of St. Louis’ Top Workplaces for 2021 and 2022!

About Midwest BankCentre

Midwest BankCentre is a values-based bank that has been a mainstay of St. Louis community banking since 1906. Our purpose is to help regional communities thrive by creating the conditions to help Main Street, marginalized communities and multicultural markets live into their full potential. We work to empower people, enable business and energize neighborhoods through the strength of our financial services, including personalized consumer and business banking, business cash management, mortgage lending, home equity loans, financial planning and investments, insurance and digital banking.

We are committed to making meaningful, long-term investments in communities that lift everyone up so we can all RISE TOGETHER. Our commitment to shared prosperity, our investment in Community and Economic Development and our dedication to diversity and inclusion are reflected is the ways Midwest BankCentre lives its purpose.

A few more facts about Midwest BankCentre:

  • We are ranked as one of the top employers in the region because of our commitment to our team members and the communities we serve.
  • We rank among the St. Louis Region’s largest locally owned banks.
  • We have 17 locations throughout Missouri and Illinois, including the City of St. Louis and St. Louis, St. Charles, Jefferson, and St. Clair Counties.
  • We have state of the art online and mobile banking platforms that allow us to meet customers where they are to help them get to where they want to be.
  • We foster a culture that supports your success and professional growth.

Objectives of this Role
This role will focus on full credit analysis and underwriting of primarily SBA 7(a) loan requests up to $5MM and may include SBA 7(a) Small Loans, SBA Express, SBA 504, and other programs. The individual hired for this role will have also have responsibilities for analyzing annual financial statements in a summary report for annual reviews of the bank’s SBA loan portfolio.
The position will be 100% remote and the candidate must be responsible and a self-starter; experience working remotely is preferable but not required. Clients include small business owners throughout the lower 48 states; therefore, spoken and written communication skills will be of high importance.
Essential Functions

  • Review SBA loan requests for credit worthiness.
  • Analysis of applicant business and tax returns, financial statements, projections, and personal financial statements and credit reports to determine stand-alone and global debt service sufficiency
  • Discuss credit worthiness of requests including questions and challenges with credit committee members
  • Formulate and present recommendations for approval or decline based on supporting arguments
  • Prepare and issue commitment letters
  • Work with closer and BDO as necessary to address credit changes or needs between loan approval and loan closing
  • Assist with portfolio management with primary responsibility for completion of annual reviews per department policies
  • Understand the client’s business environment, strategies, and industry to better determine their credit requirements, identify potential new opportunities and provide need-based solutions.
  • Actively work to support achievement of department production goals

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities are as required and may change at any time with or without notice.


  • Customer Centric Focus
  • Diversity and Inclusion
  • Act with Integrity
  • Collaboration and Teamwork
  • Results Oriented/Execution
  • Business Acumen

Skills and Qualifications

  • 5+ years of credit industry experience required
  • 3+ years in SBA analysis and/or underwriting roles required
  • Bachelor’s degree in finance, business, or a related field OR equivalent industry experience
  • Advanced degree in business (MBA, Finance, Accounting) preferred but not required
  • Strong business acumen and experience-based knowledge of small business lending process.
  • Excellent analytical, technical writing, and presentation skills.
  • Strong written, verbal, and interpersonal communication skills.
  • Self-motivated and results-oriented
  • Ability to work well in a team environment.
  • Demonstrated ability to interact with clients in a professional manner.
  • Ability to manage and prioritize multiple complex tasks.

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear.

Don’t meet every single requirement? Studies have shown that women and people of color are less likely to apply for jobs unless they meet every listed qualification. Midwest BankCentre is recognized nationally for its Diversity, Equity, and Inclusion practices and embraces these practices as a competitive advantage.

If you’re excited about this role but your experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be the right candidate for this or other Midwest BankCentre roles!

AAP/EEO Statement

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

We thank all applicants in advance for their interest in this position and Midwest BankCentre. Only applicants selected for an interview will be contacted.

Job Type: Full-time

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