SBA Credit Analyst

About Us

Join Dogwood State Bank, a Division of TowneBank, Small Business Lending. As a vital asset to Dogwood, our team members play a crucial role in delivering exceptional financial services through both our banking footprint and across the United States. With deep roots in the communities we serve, we pride ourselves on being an employer of destination. At Dogwood, our core values of love and respect shine through in every aspect of our work. We are a dedicated team, committed to making a meaningful impact on the lives of our customers and communities.

Position Summary

The Credit Analyst partners closely with Credit Underwriters to support aspects of underwriting. Key responsibilities include delivering comprehensive administrative support, ordering third‑party reports, spreading financial statements, and performing certain data entry within Spark and other internal systems. The Credit Analyst also collaborates with Underwriters to refine processes and systems that enhance loan volume, improve efficiency, and shorten turnaround times.

Job Responsibilities 

• Provides support to Underwriters to enhance efficiency and streamline workflows.
• Develops and implements effective processes with each Underwriter to improve pipeline management and credit analysis.
• Develops a full understanding of Spark and other internal systems; assists with selected data entry functions as needed
• Facilitates the ordering of third‑party reports, works directly with vendors, and reviews reports upon receipt.
• Performs financial spreading and risk assessments on small business loan requests to support sound credit decisions.
• Maintains effective communication with all internal partners.
• Reads and understands the SBA Standard Operating Procedures (SOP).
• Develops a full understanding of Dogwood SBL internal processes and procedures.
• Develops a full understanding of Dogwood SBL Credit Guidelines.
• Builds and maintains effective working relationships with all internal partners.
• Implements effective time‑management practices.

General Qualifications

• Bachelor’s degree in business, finance, or equivalent experience.
• A minimum of 3+ years’ banking experience or equivalent.
• Deep knowledge of the SBA’s SOP, and related regulations.
• Knowledge and ability to use SBA systems are necessary to perform under the bank’s PLP SBA status.
• Thorough knowledge of lending policies and procedures.
• Excellent communication skills.
• Proficient in computer software and systems
• Proficient with statement spreading programs.
• Above - average courtesy and tact in dealing with community and peers.
• Strong professional, appearance, dress, attitude, interpersonal and communications skills.
• Ability to perform independently and with minimal supervision.

Physical Requirements 

• Express or exchange ideas by means of spoken word via email or verbally. 
• Exert up to 10 pounds of force occasionally, use your arm and legs and sit most of the time. 
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation. 
• Not substantially exposed to adverse environmental conditions. 
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.

Essential Responsibilities:

• Other duties as assigned
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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