Credit Analyst

Overview

Evolving from SmartBiz Loans, a leading provider of small business loans, SmartBiz Bank offers a broad range of business banking solutions to small businesses across the U.S. – solutions built specifically to serve the dynamic needs of entrepreneurs and foster the growth of the small business community. SmartBiz Bank’s commitment to transparency and personalized customer service offers an unparalleled banking experience, ensuring small businesses have the financial services they need to grow and thrive. Headquartered in Chicago, IL, with offices in Austin, TX and San Francisco, CA, we are excited about serving our local and national Small Business Community. 

Position Overview

SmartBiz is seeking a Credit Analyst who will support SmartBiz’s Credit Team in evaluating the financial health of a SBA loan applicant to determine whether to approve their application. Critical to this role is an understanding of credit, strong financial acumen, the ability to critically analyze and assess information and work closely with Funding Operations team members to build out the credit story of the small business applicant.

We’re seeking a new teammate who has a high level of intrinsic motivation, is extremely detail-oriented and organized, is eager to use their financial analysis skills, and enjoys working effectively with cross-functional teams in a fast-paced financial technology environment. 

How You Will Make An Impact:

• Quickly and accurately analyze financial statements (business and personal tax returns, income statements, balance sheets, bank statements, and credit report) to determine the creditworthiness of small businesses
• Verify accuracy and consistency of details provided on the customer’s application and documentation 
• Ensure compliance with the SBA underwriting and eligibility guidelines
• Provide training of new Relationship Managers and ongoing training of the existing Funding Operations team to ensure their understanding of credit, underwriting, and general eligibility
• Review and provide support on complex credit and loan structures to help Relationship Managers appropriately underwrite and package loan applications
• Enforce quality control of files and integrity under bank and regulatory criteria
• Perform required monitoring of existing loan portfolio performance

Who You Are:

• 2+ years of experience in financial services
• Strong knowledge of commercial banking underwriting, SBA small loan underwriting is a plus
• Exceptional oral & written communication skills
• Highly organized and detail-oriented
• Bachelor’s Degree in Accounting, Finance, Economics, or a related field
• Experience with Salesforce is a plus

Opportunities & Benefits at SmartBiz Bank

Join a mission-driven team that’s reimagining small business banking. At SmartBiz Bank, we’re building the future of financial access — empowering entrepreneurs to thrive while creating meaningful careers for our people.

What We Offer:

• Shape the future of small business banking — help drive innovation and financial inclusion for business owners nationwide.
• Competitive compensation — including salary, performance-based incentives (for certain roles), and equity participation in a fast-growing financial institution.
• Comprehensive benefits —  100% employer-paid medical, dental, and vision insurance for employees, spouses, and dependents. 100% employer-paid life and disability insurance, and an employee funded 401(k) retirement plan.
• Time to recharge — a flexible vacation policy designed to promote rest, balance, and well-being.
• Inclusive, people-first culture — guided by our values of empathy, excellence, and bold innovation, with equal opportunities for all.

-- SmartBiz Bank is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law.   California residents can learn more about how we use your information by visiting https://sites.google.com/view/smartbizloans-employment-ccpa