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Structural Concrete Inspector

Kinecta Federal Credit Union

Structural Concrete Inspector

Newport Beach, CA
Full Time
Paid
  • Responsibilities

    The SBA Underwriter’s role is to evaluate the credit worthiness and management capabilities of the borrower/guarantor, and adequacy of the loan structure for transactions and/or relationships.  The evaluation process encompasses analyzing the underlying business and the industry, the financial strength and experience of the borrower and/or guarantor and ensure the borrower and/or guarantor meets SBA eligibility requirements.

     

    The Underwriter is responsible for all aspects of a proposed loan from the time the borrower executes the term sheet through closing.  Post closing, the Underwriter will assist the Relationship Manager and Portfolio Manager with follow-up matters as needed.

     

    The Underwriter must analyze business operations including all historical revenues, expense, ratios and trends as well as future projections to support the ongoing economic viability of the business and the loan.

    Required Skills

    Essential Duties and Responsibilities:

     

     

    • Model cash flow in CASH LOS and generate business ratios, debt coverage tests, valuations, and loan structures.
    • Review loan documents and identify issues with loan structure.
    • Assess credit worthiness and capabilities of borrowers and guarantors.
    • Prepare detailed presentations for loan committee consideration.
    • Perform site visits and market research.
    • Interface with borrowers, guarantors, appraisers, loan administration staff and brokerage community.
    • Be familiar with and abide by all Kinecta and SBA policies and procedures related to lending guidelines.
    • This position will entail processing PPP (PAYMENT PROTECTION PROGRAM) Forgiveness

     

     

     

    Required Experience

    KNOWLEDGE, SKILLS AND ABILITIES:

    • Proficiency in Excel and market research services.
    • Excellent presentation, listening, reading comprehension, and written communication skills.
    • Ability to focus on things which matter most to achieve outcomes.
    • Committed to produce outcomes without direction and to find necessary resources.
    • Ability to manage large amounts of complex information easily, communicate it clearly, and draw sound conclusions

     

    EDUCATION, TRAINING AND EXPERIENCE:

    Potential candidates for this position must meet the following requirements:

     

     

    • Bachelor degree or higher in a business related field, preferably finance or accounting.
    • Three to five years of experience in C&I and SBA.
    • Excellent knowledge of SOP and SBA 7A and 504 programs.
    • Proficiency in Excel and market research services.
    • Excellent presentation, listening, reading comprehension, and written communication skills.
    • Experience with CASH is preferred.
    • Experience with CRE is a plus.

     

  • Qualifications

    Essential Duties and Responsibilities:

     

     

    • Model cash flow in CASH LOS and generate business ratios, debt coverage tests, valuations, and loan structures.
    • Review loan documents and identify issues with loan structure.
    • Assess credit worthiness and capabilities of borrowers and guarantors.
    • Prepare detailed presentations for loan committee consideration.
    • Perform site visits and market research.
    • Interface with borrowers, guarantors, appraisers, loan administration staff and brokerage community.
    • Be familiar with and abide by all Kinecta and SBA policies and procedures related to lending guidelines.
    • This position will entail processing PPP (PAYMENT PROTECTION PROGRAM) Forgiveness

     

     

     

  • Industry
    Financial Services