SBA Credit Analyst

GENERAL SUMMARY

Under the close supervision of the SBA Underwriting Manager and/or an SBA Loan Officer and within established policies and department procedures, responsible for preparation of SBA loan underwriting, portfolio servicing, and monitoring, and the following duties:

ESSENTIAL FUNCTIONS

• Assist the SBA underwriting team in financial due diligence and credit analysis of SBA loan requests.
• Perform cash flow spreading and input financial data into internal loan operation systems and the SBA loan submission platforms
• Prepare detailed reports, conduct due diligence, and perform credit checks as part of the loan underwriting process to support sound credit decisions.
• Communicate with internal staff, clients, and third parties (e.g., CPAs, escrow officers, appraisers) to obtain and verify loan-related documentation.
• Support departmental functions such as internal reporting, data entry, and documentation tracking.
• Assist with preparation and response to internal audits, external audits, and loan review examinations.
• Maintain compliance with Bank policies, SBA SOPs, and lending procedures.

QUALIFICATIONS

Education:

• Bachelor's degree in business, Finance, Accounting, or a related field preferred.

Experience:

• At least one year of experience in SBA lending is a plus, particularly in underwriting, operations, or loan closing.
• Familiarity with SBA loan programs (7a, 504 or express) and understanding of SBA Standard Operating Procedures (SOPs).

Skills/Ability:

• Proficiency in Microsoft Office (Excel, Word, Outlook); working knowledge of loan systems preferred.
• Strong verbal and written communication skills.
• Ability to work in a team environment, prioritize tasks, and meet deadlines.

OTHER DETAILS

$26.44 - $32.69 / hour
Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for a discretionary bonus.

Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

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Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

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