This position is remote, working primarily from home. Candidate must be based in the Southeastern United States.

Our Company

Voyager Lending, a division of Merchants & Marine Bank, partners with small businesses by offering government-guaranteed lending solutions. Deeply committed to helping communities sustain and grow, we deliver knowledgeable and personalized service for a seamless experience.

Job Purpose

Responsible for providing accurate credit analysis and risk assessment of SBA & USDA loans to determine their creditworthiness. 

Duties and Responsibilities

• Knowledge of SBA SOP.
• Underwriting SBA Loans in accordance with the Bank's policies and procedures.
• Attend and participate in vetting and credit approval discussions.
• Work with BDO's and Management to perform and document the Bank's formal credit analysis for new loan requests - credit memo creation, financial spreads, cash flow statements, collateral analysis, global cash flow analysis, support of strengths, mitigation of weaknesses, and eligibility of new and existing credit facilities.
• Be capable of maintaining a mixed portfolio of underwriting new loans and modification requests.
• Review and approve all underwriting conditions in a timely manner.
• Request required documentation, financials, etc. from the borrower and guarantors as needed.
• Providing frequent communication to all parties involved in transactions in a positive and constructive manner.
• Delivering excellent service to customers both inside and outside the Bank.
• Attend appropriate training and conferences in order to build and maintain expert credit and SBA specific knowledge.
• Manage Underwriting deal flow between the bank and Lender Service Provider as needed.
• Other duties as assigned.

Minimum

• Bachelor's degree
• Thorough knowledge of SBA lending rules, regulations and practices
• 3 years of SBA 7a loan underwriting experience
• Word and Excel proficiency
• Excellent interpersonal and written skills
• Verbal and written communication and presentation skills
• Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Preferred

• Experience with Moody's
• USDA B&I loan underwriting experience
• 5+ years of SBA 7a loan underwriting experience
• Formal credit training
• Ability to underwrite and handle a large volume of loans

Working Conditions

• Frequently required to operate a computer, printer, copy machine, calculator, telephone, and/or other office equipment.
• the employee frequently exchanges information with others and must be able to do so in an effective manner. Must have the ability to communicate clearly and effectively, both verbally and in writing, and across a variety of audiences.
• May frequently move up to 20 pounds and occasionally move items up to 40 pounds.
• Frequently reaches for files, books, and comparable items in high or low places and must have the ability to bend, stoop, or reach.
• Typical schedule is 40 hours per week, Monday through Friday. Extended hours may be occasionally required.
• We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.