Career Opportunities
Unfortunately, there are no positions available at this time.
Position is Remote (California, Idaho, Nevada, Utah or Arizona)
Salary Range: $85,000 – $110,000 plus incentives.
Join our rapidly growing team and contribute to our exciting mission! Senior Loan Underwriter professionals play a crucial role in executing the CDC’s mission to serve as a dependable provider of credit to small businesses across California. This position will allow you to grow and build a career in a team focused environment that values sound credit quality and prudent underwriting standards.
Statewide Certified Development Corporation is a 501(c)(4) non-profit organization that supports economic development by making available low cost, fixed rate commercial and industrial real estate financing to expanding small businesses under the U.S. Small Business Administration’s (SBA) 504 Loan Program. We are licensed and regulated by the U.S. Small Business Administration to provide SBA 504 financing and work in partnership with a wide range of lending institutions.
Position Summary: The Senior Underwriter performs the following main roles and other miscellaneous functions:
The Senior Loan Underwriter plays a critical role in the SBA 504 lending process, partnering closely with Business Development Officers (BDOs) to assess loan eligibility, perform in-depth credit analysis, and prepare comprehensive loan packages for submission. This role is ideal for an experienced financial analyst or underwriting professional with a foundation in commercial credit and an interest in advancing within the commercial real estate finance sector.
Key Responsibilities:
- Loan Prequalification & Eligibility Review – Serve as a key resource for BDOs by evaluating borrower eligibility and SBA 504 program compliance. Participate in client meetings as needed to provide underwriting expertise and guidance on loan structure.
- Stakeholder Collaboration – Work cross-functionally with internal loan officers, borrowers, lenders, and brokers to ensure transparency and progress throughout the loan lifecycle.
- Financial Analysis & Prequalification – Analyze borrower financial statements, prepare financial spreads, and assess repayment ability to pre-qualify loan applicants in accordance with SBA standards.
- Credit Memorandum Development – Draft clear, concise, and analytically sound credit memorandums that assess borrower cash flow, collateral strength, management capability, industry risk, and overall creditworthiness.
- SBA Loan Submission – Assemble and submit complete and accurate SBA 504 loan application packages via E-Tran, ensuring compliance with current SBA SOPs and internal underwriting standards.
- Problem Resolution & Client Support – Handle complex borrower inquiries and documentation issues with professionalism, leveraging understanding of SBA loan requirements to resolve obstacles and guide clients.
- Process Improvement – Identify and recommend improvements to underwriting workflows and documentation practices to increase efficiency, consistency, and throughput.
This position offers an exceptional opportunity for a finance professional seeking to deepen their expertise in commercial real estate and SBA 504 lending. Candidates should be solutions-oriented, technically proficient, and motivated to contribute to a high-performing team environment.
Qualifications:
- Bachelor’s degree required; concentration in Accounting, Finance, or related field strongly preferred.
- Minimum 3 years of experience in commercial credit underwriting or financial analysis, with a demonstrated ability to assess complex financial statements and cash flow structures.
- Exceptional analytical skills and a meticulous attention to detail; capable of drawing insights from nuanced financial data.
- Highly organized with a proven track record of managing high volumes of documentation, ensuring accuracy, compliance, and timely analysis.
- Superior written communication skills, including the ability to draft concise, professional credit memos. Proficient in using AI tools to enhance productivity and streamline repetitive tasks.
- Strong interpersonal and customer service skills, with the ability to interact effectively with borrowers, partners, and team members.
- Creative problem solver with sound judgment and a strategic mindset; able to identify risks and structure solutions that protect institutional interests.
- Team-oriented and flexible, willing to adapt to changing priorities, extended hours, and evolving borrower needs.
- Professional demeanor, representing the organization with credibility and poise in all internal and external communications.
- Thrives in a fast-paced environment, able to multi-task without sacrificing quality, consistency, or regulatory compliance.
- Proficient in Microsoft Excel, with strong aptitude for learning new systems and underwriting platforms.
Competitive compensation and benefits package based on level of experience.
Statewide CDC provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
Irvine, California | In-Office
Salary Range: $65,000 – $95,000 DOE
About the Opportunity
Join a rapidly growing team dedicated to making affordable financing accessible to small businesses across California, Nevada, and Arizona. As a Junior Credit Analyst, you’ll play a hands-on role in Statewide’s mission to be a dependable source of credit, while building a strong foundation for a long-term career in commercial lending. This is an ideal position for someone eager to develop expertise in credit analysis and underwriting within a collaborative, mission-driven organization.
About Statewide CDC
Statewide Certified Development Corporation is a 501(c)(4) nonprofit committed to supporting economic development. We provide low-cost, fixed-rate commercial and industrial real estate financing to small businesses through the U.S. Small Business Administration’s 504 Loan Program. As an SBA-licensed and regulated Certified Development Corporation, we partner with a broad network of national and regional lenders to help small businesses access the capital they need to grow.
What You’ll Do
- Prequalify loan applicants by analyzing borrower financial statements and debt schedules using an established credit methodology.
- Manage complex documentation requests with a “white glove” approach, ensuring borrowers and lending partners receive attentive, hands-on support throughout the process.
- Coordinate across stakeholders — keeping Business Development Officers, lending partners, borrowers, and other parties informed with timely updates and proactive communication on loan status and any emerging issues.
- Process and organize high-volume loan packages, reviewing, categorizing, and securely storing complex documentation.
What We’re Looking For
- 1–2 years of professional experience in an analyst or underwriter role.
- A Bachelor’s degree in Accounting, Finance, or Mathematics — or equivalent hands-on work experience.
- A genuine interest in commercial real estate or commercial real estate lending.
- Strong organizational skills and the ability to build personal systems for managing high- volume, deadline-driven work.
- Proficiency in Microsoft Excel — a significant portion of this role is Excel-based.
- Excellent communication skills — you’re comfortable providing updates and coordinating across all levels of the organization.
- A proactive, flexible mindset. You’re willing to step up and do what’s needed, even when tasks fall outside your core responsibilities.
- Experience in commercial real estate lending is a plus.
What We Offer
A competitive salary, a supportive and collaborative team environment, and a real opportunity to grow your career in commercial lending at a mission-driven nonprofit. You’ll also get to work alongside some of the best business development officers in the industry – a great way to build meaningful relationships and expand your professional network in the commercial real estate space.
Statewide CDC is an equal opportunity employer. We prohibit discrimination and harassment of any kind based on race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local law.
Salary Range: $90,000 to – $130,000, plus bonus
Become part of the excitement in our rapidly growing business! Loan closing professionals play a crucial role in executing the CDC’s mission to serve as a dependable provider of credit to small businesses across California, Nevada and Arizona. This position will allow you to grow and build a career in a team focused environment that values sound credit quality and prudent underwriting standards.
Statewide Certified Development Corporation is a 501(c)(4) non-profit organization that supports economic development by making available low cost, fixed rate commercial and industrial real estate financing to expanding small businesses under the U.S. Small Business Administration’s (SBA) 504 Loan Program. We are licensed and regulated by the U.S. Small Business Administration to provide SBA 504 financing and work in partnership with a wide range of lending institutions
Position Summary: The Lead Loan Closing Officer will oversee the closing process for SBA 504 loans, providing hands-on leadership and technical direction to the closing team. This role combines direct management of complex closings with responsibility for team workflow, quality control, training, and process improvement, ensuring compliance with SBA regulations and a consistently seamless, efficient closing experience for borrowers, lenders, and partners. This position is intended as a growth path toward a future Closing Manager role, and the successful candidate will be expected to build the leadership and operational experience needed to assume that responsibility over time.
Key Responsibilities:
- Serve as the day-to-day team lead for the loan closing function, distributing and prioritizing closing workload across staff to meet funding deadlines.
- Manage all aspects of SBA 504 loan closings through funding, including preparation, review, and submission of closing documents for the most complex or high-priority transactions.
- Act as the primary escalation point for closing issues, exceptions, and questions raised by borrowers, lending partners, escrow/title companies, attorneys, and SBA.
- Coordinate with borrowers, lending partners, escrow/title companies, attorneys, and SBA to ensure timely and accurate loan closings.
- Review and analyze title commitments, appraisals, environmental reports, insurance documentation, and other due diligence materials for compliance with SBA guidelines and internal policies.
- Perform quality control review of closing packages prepared by team members prior to submission for funding, ensuring accuracy and SBA program compliance.
- Ensure loan documents and funding conditions meet SBA 504 program guidelines.
- Train, mentor, and support the development of closing staff, including onboarding new team members and providing guidance on SBA SOP updates and closing best practices.
- Identify and recommend improvements to closing processes, procedures, and checklists to increase efficiency and reduce risk.
- Monitor team pipeline and closing metrics, and provide regular status updates to management on closing volume, timelines, and outstanding issues.
- Communicate proactively to resolve closing issues, address borrower questions, and maintain closing schedules.
- Maintain accurate records in compliance with regulatory and company standards
Qualifications:
- Position is remote but candidates must be located in Mountain or Pacific Time. No exceptions.
- This position is intended as a growth path toward a future Closing Manager role, and the successful candidate will be expected to build the leadership and operational experience needed to assume that responsibility over time.
- Minimum of 5 years experience in SBA loan closing.
- Prior experience mentoring, training, or informally leading other closing or lending staff.
- Thorough knowledge of SBA Standard Operating Procedures (SOPs) and 504 loan program guidelines.
- Demonstrated ability to manage multiple closings simultaneously in a deadline-driven environment, including oversight of others’ closing files.
- Exceptional organizational, analytical, and problem-solving skills.
- Strong leadership, interpersonal, verbal, and written communication skills.
- Proficiency in loan management software and Microsoft Office applications
Preferred Qualifications:
- Bachelor’s degree in business, finance, or related field.
- Experience working directly with CDCs or nonprofit lenders.
- Prior experience in a lead, supervisory, or team-coordination role within a lending or closing environment.
What We Offer:
- Competitive salary commensurate with experience
- Comprehensive benefits package including health, dental, and vision
- 401(k) retirement plan with company match
- Professional growth opportunities in an empowering environment
Join our mission-driven team and contribute to the success and growth of small businesses in our community through SBA 504 lending.
