Be an Early Applicant
For all that you love.
The Role
Prepare and draft SBA and commercial annual portfolio analyses and reviews, assess creditworthiness from tax returns/financials, ensure compliance with SBA and regulatory requirements, monitor loan covenants, identify portfolio risk, maintain annual review logs, assist loan portfolio administration, and provide member-facing support and guidance on business deposits and loans.
Summary Generated by Built In
Redwood Credit Union is looking for an SBA/Commercial Portfolio Specialist, who will prepare SBA and commercial annual portfolio analysis in accordance with the Credit Union’s underwriting guidelines and influences the quality of credit through adherence to same. This classification requires overall knowledge of the loan requirements for SBA and commercial lending, with a demonstrated ability to perform research activities and loan portfolio analyses. Drafts annual reviews including analysis of financial and other information, and presentation in a concise and accurate written form as prescribed by Credit Union. Additionally, this position will assist with the administration of the loan portfolio.
Key Responsibilities
• Analyzes ongoing credit worthiness, including annual review of tax returns, financial statements, credit reports, and other relevant information.
• Prepares draft annual review and spreadsheets.
• Ensures all loan covenants and regulatory requirements are being upheld.
• Ensures compliance with pertinent government rules and regulations.
• Must be able to thoroughly analyze and make risk rating recommendations for simple and complex SBA and commercial real estate credits on an independent basis and demonstrate solid decision-making abilities.
• Identifies and evaluates portfolio risk.
• Maintains a complete understanding of RCU credit policy and SBA eligibility requirements under the SBA 7(a) and 504 guaranteed loan programs, with ability to assist others with related questions and research independently for unknowns.
• Assists with the administration of the loan portfolio by maintaining the annual review log and contacting Members to request financial information or documentation.
• Ability to work independently with minimal supervision.
• Highly developed analytical skills for making sound credit decisions.
• Provide exceptional service to all Members, volunteers, internal employees and service providers.
• Answer Member questions as they relate to Business Service deposits and loans.
Join us and discover why you'll love working at Redwood Credit Union!
ABOUT REDWOOD CREDIT UNION (RCU):
At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.
As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.
Why work for Redwood Credit Union?
• 25th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.
Minimum Qualification: Knowledge, Skills and Abilities
- Current knowledge of all laws, rules and regulations pertaining to business/SBA lending and compliance.
- Excellent written and verbal communication skills.
- Flexibility and ability to prioritize and handle multiple tasks.
- Ability to work effectively under deadlines and stress.
- Ability to manage time effectively.
- Knowledge of financial institution business services including lending methods and services.
- Knowledge of asset, liabilities, credit dynamics in a business services lending environment.
- Skill in the operation of a personal computer and word processing, spreadsheet and presentation software and Intra/Internet access.
- Analytical skills in credit administration.
- Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop sound, effective approaches.
- Knowledge of commonly used concepts, practices and procedures within commercial lending.
- Ability to establish and maintain effective working relationships with a diverse group of people, including vendors and other Credit Union employees.
- Ability to act independently and confidentially, using discretion and tact.
- Ability and desire to work in a team environment.
The ideal candidate has a combination of education and experience equivalent to a high school diploma and a
minimum of four years of experience in SBA and/or business lending.
Compensation: Base starting range: $30.00 to $40.00 hourly commensurate with experience.
Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
Redwood Credit Union offers a robust benefits package to our eligible employees including:
• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement– Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
RCU Discounts and Perks:
• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!
Physical Requirements:
• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to lift up to 15 pounds.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of the time is spent sitting at a desk.
*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.
Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.
We are an Equal Opportunity Employer
Skills Required
- Minimum of four years of experience in SBA and/or business lending
- Current knowledge of laws, rules and regulations pertaining to business/SBA lending and compliance
- Ability to analyze financial statements, tax returns, credit reports and make credit risk recommendations
- Analytical skills in credit administration and ability to evaluate portfolio risk
- Knowledge of SBA 7(a) and 504 program eligibility requirements
- Knowledge of financial institution business services, lending methods, asset/liability and credit dynamics
- Excellent written and verbal communication skills
- Skill in operation of a personal computer and word processing, spreadsheet and presentation software and Intra/Internet access
- Ability to prioritize, manage time effectively, work under deadlines and stress
- Ability to establish and maintain effective working relationships and act independently and confidentially
- Ability and desire to work in a team environment
- High school diploma or equivalent (education and experience combination acceptable)
- Physical ability to perform duties: stand, bend, stoop, sit, walk, twist, lift up to 15 pounds, use keyboard/calculator
Am I A Good Fit?
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.
Success! Refresh the page to see how your skills align with this role.
The Company
What We Do
Redwood Credit Union is a full-service financial cooperative, assisting consumers and small business owners with achieving their financial goals and dreams since 1950. We’re a financial cooperative that truly cares about the financial goals and dreams of those who do business with us. With a wide variety of products and services designed to meet our Members’ financial needs, there’s something for everyone. And each Member actually owns part of the Credit Union and has a voice in what we do and how we do it. An excellent place to work, RCU was recently recognized by Forbes as one of “America’s Best Small Employers 2023.” And for 17 years running, we’ve been awarded Best Places to Work by the North Bay Business Journal. We continue today to build upon a solid philosophical and business foundation—treating Members with respect and personal care while offering unbeatable value. Federally insured by NCUA. Equal housing lender. *** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA www.finra.org /SIPC www.sipc.org ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Redwood Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Investment representatives at Redwood Credit Union are licensed to transact securities business in CA. For more information concerning CFS or its representative(s) associated with this site, please review FINRA Broker Check by accessing the following link and typing in the firm / representative information in the search field. http://brokercheck.finra.org/Search/Search.aspx
