SBA Lending Specialist

OneAZ Credit Union
paid time off, paid holidays, sick time, tuition reimbursement, 401(k)
United States, Arizona, Phoenix
Mar 27, 2025
Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters-you've found it! Who You Are You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for your success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together. What You'll Do This position will be hybrid and based at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 The SBA Lending Specialist develops and manages Small Business Administration (SBA) guaranteed loans, focusing on acquiring, growing, and retaining SBA banking members, while also managing the SBA loan portfolio. This position has in-depth knowledge of SBA loan products, strong attention to detail, and the ability to work effectively with internal teams and external clients. Serve as the primary point of contact for small business owners seeking SBA financing. Advise clients on SBA loan programs, eligibility requirements, and loan options. Assist clients in structuring loan terms and conditions, including interest rates, repayment schedules, and collateral requirements. Guide clients through the SBA loan application process, gathering required documentation, and ensuring complete and accurate submissions. Conduct initial underwriting and prepare credit packages that comply with SBA regulations. Ensure compliance with all applicable regulations and SBA guidelines. Collaborate with internal teams (legal, credit, and documentation departments) to facilitate smooth loan closing, ensuring that all necessary documentation is in order. Build and maintain strong relationships with internal Business Bankers and external borrowers, providing ongoing support throughout the loan lifecycle, from application to funding and repayment. Stay current with changes in SBA regulations and ensure that all loans are processed and serviced in full compliance with federal and state guidelines. Work closely with Business Bankers, Credit Risk, and operations teams to ensure timely and efficient loan processing. What You Bring H.S. Diploma required. Bachelor's Degree in finance, accounting, or a related field preferred. 10-15 years of experience in SBA lending, commercial lending, or financial services. Strong understanding of SBA loan products, including 7(a), 504, and Express loans, and SBA lending regulations. Experience in financial analysis, including reviewing business financials, cash flow, and creditworthiness to determine loan viability. Excellent verbal and written communication skills. Ability to manage multiple loan applications and projects simultaneously. Strong customer service skills with a solutions-oriented approach. Proficiency with loan origination and management software, as well as Microsoft Office. Familiarity with Abrigo and LaserPro is a plus. Familiarity with commercial loan underwriting and credit risk analysis. Formal SBA 7(a) and 504 certification or training preferred. A passion for people, innovation, and growth. Not sure if you meet every requirement? That's okay. We believe great talent comes from all backgrounds and experiences. At OneAZ, we value potential, passion, and purpose. If you're excited about this opportunity and believe in our mission, we encourage you to join our Talent Community Compensation & Benefits Generous paid time off: 10 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time Low-cost Medical, Dental & Vision plans - as low as $5 per pay period Paid childcare assistance (up to $96 per pay period) Award-winning 401(k) 5% discretionary match - fully vested from day 1 100% Gym fee reimbursement up to $75/month 100% Tuition Reimbursement Up to $5,250 $1440/yr student loan repayment ...and much more. Explore all the details in our comprehensive Benefits Booklet Target hiring range $40-$52/hr (Depending on experience and prior to any incentives this position is eligible for) Why Join OneAZ? At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible. Additional Notes: Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.