• Mt Vernon, WA, USA
  • 58240-88545
  • Salary
  • Full Time

Company paid medical, dental, vision, life, AD&D, LTD, 401(k) with match, Paid Time Off (PTO), and many voluntary additional benefits

We continue to grow! Come join a great team.

SaviBank has an excellent opportunity for you to use your experience in banking, finance, lending and customer service to become our next Underwriter in our SBA/USDA Department. If you excel at attention to detail, processing and maintaining documents and files, and want to work for a company that cares about their employees and the community, read on!

About SaviBank

We Offer Great Benefits!

  • Generous medical, dental and vision insurance
  • 401k + Company Match
  • Flexible PTO + Company Holidays
  • Other market competitive perks and benefits

Wage placement based on qualifications and direct experience for this position.

Position Summary:

Under the direction of the SBA Manager, is responsible for analyzing financial data and preparing credit authorizations, analyzing portfolio credit quality, assisting SBA/GGL Lender (BDO) in presenting credit requests to Loan Approval Committees. Will be responsible to manage client relationships and portfolio credit quality with SBA/GGL Manager.

Essential Duties and Responsibilities:

  • Works with SBA/GGL Lender (BDO) to manage customer relationships and loan portfolios. Acts as support and backup to the lender as needed or in the lender's absence.
  • Maintains an updated and thorough knowledge of the SBA/GGL standard operating procedures as well as SBA/GGL loan underwriting techniques and eligibility requirements and must be able to communicate this knowledge to internal and external customers. Maintains a working knowledge of all SBA/GGL forms and statements along with how to complete the documentation as called for by the SBA, USDA and any other government-guaranteed loan programs.
  • Spreads and/or analyzes financial statements of potential and existing customers utilizing the bank's accepted analytical credit criteria, assuring that SBA/GGL underwriting requirements are addressed.
  • Completes a credit authorization following established SBA/GGL and SaviBank guidelines for both underwriting and loan eligibility.
  • Obtains loan approval from the appropriate authority.
  • Work with the SBA Credit Assistant to process and follow up on SBA/GGL forms that require additional screening.
  • Maintains an ongoing relationship with SBA/GGL personnel to include the SBA local district office along with the three SBA national offices, the USDA local, regional and national offices, and any other applicable government loan agency.
  • Maintains knowledge of critical issues with SBA/GGL to avoid repair or denial of guarantee.
  • Conducts credit investigations when necessary.
  • Works with SBA/GGL Manager in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing.
  • Performs annual term loan reviews.
  • Monitors compliance with loan agreement covenants.
  • Accompanies SBA/GGL Lender (BDO) on sales calls/customer calls.
  • Acts as liaison between SBA/GGL and other departments, as required.
  • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
  • Performs related duties as assigned.


To perform the job successfully, an individual should demonstrate the following competencies to perform the essential functions of this position.

  • Analytical- the individual synthesizes complex or diverse information.
  • Problem-solving- the individual identifies and resolves problems in a timely manner and gathers and analyzes information skillfully.
  • Organizational skills the individual demonstrates strong organizational skills for the management of a heavy workload with minimal errors and/or omissions.
  • Communication- the individual speaks and writes clearly and persuasively in positive and negative situations, demonstrates group presentation skills and participates in meetings.
  • Relationship management- the individual demonstrates strong relationship management abilities.
  • Leadership- the individual inspires and motivates others to perform well, accepts feedback from others.
  • Quality management- the individual looks for ways to improve and promote quality and demonstrates accuracy and thoroughness.
  • Judgment- the individual displays willingness to make decisions, exhibits sound and accurate judgment and makes timely decisions.
  • Planning/organizing- the individual prioritizes and plans work activities, uses time efficiently and develops realistic action plans.
  • Safety and security- the individual observes safety and security procedures and uses equipment and materials properly.

Minimum Requirements:

  • Five years of banking experience directly related to SBA/GGL or a combination of education and experience which provides the equivalent.
  • Thorough knowledge of credit and a solid understanding of collateral requirements.
  • Knowledge of federal and state regulations affecting SBA/USDA, Commercial, or Consumer loans.
  • Strong computer skills with a knowledge of Microsoft Office Suite, particularly Word and Excel.

AAP/EEO Statement

SaviBank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law.

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