Windsor Advantage

Role Description The SBA Underwriter II will assist the lender with their SBA Loan request by preparing a pre-assessment for eligibility, borrower checklist, lender checklist, document collection, spreading the tax returns and other financial documents, and preparing a Credit Summary for SBA Eligibility. The Credit Summary for SBA Eligibility is written in compliance with the SBA SOP and lender loan policy and guidelines. The Credit Summary is reviewed for quality control prior to forwarding to the lender. Position Responsibilities - Prepare, review, and analyze the creditworthiness of all applicant’s loan requests by spreading company and personal financial statements. - Manage loan applications, assist various Lenders, Banks, and Credit Unions with their borrowers by communicating via email and phone to determine if the loan is a candidate for the SBA Loan Program. - Inform Lender of the SBA guidelines for loan structure maximum rate and term depending on the loan requested. - Assist lender in preparing the sources and uses of the loan request. - Review construction budget, inventory list, FF&E costs estimate/invoices, purchase agreements, debt refinance analysis, business acquisition/partner buyout, and working capital needs. - Prepare a collateral table to assess the adequacy of all business assets and apply the SBA liquidation percentage to result in the net value for the assets. - Conduct Business Overview to discuss the business description and history, locations, products/services, business model, management, succession plan, competition, vendors, define market area, customer base, strengths, and weaknesses of the business. - Compare business NAICS and Franchise to Coleman statistics and FRAN data for trends and success rates of the business or franchise. - Spread historical and projected financial documents to determine cash flow and repayment to show the applicant meets SOP guideline for DSC of 1.15x or better. - Analyze projection assumptions for reasonableness in obtaining the level of sales and net profit. - Determine the projected break-even and what if scenarios. - Discuss RMA Common Size ratios in comparison to the borrower’s revenues and expenses. - Analyze and spread affiliate businesses to show these entities will not be a strain on the applicant/borrower. - Analyze the principals’ and guarantors’ personal financial statement, personal tax returns and credit report. - Prepare a global cash flow and rate sensitivity spreads to determine the business and its affiliates meet the SOP guideline for DSC of 1x. - Spread historical balance sheet to compare with the common size ratios of RMA. - Based on the sources and uses, prepare a pro-forma balance sheet to show how the transaction will affect the balance sheet. - Discuss the current and debt to tangible net worth ratios and compare to RMA ratios. - SBA 7a eligibility requirements include size standard analysis or alternate size standard analysis to show the applicant and its affiliates meets the SBA determinates for the Small Business. - If applicable, review CAIVRS that check for delinquent Federal debt and prior loss to the Federal Government. - Obtain Sam.gov reports for the business, for all principals, affiliate businesses, broker/agent, LSP employees and SBA Lender to ensure none of these entities are debarred from conducting business with the Federal Government. - Work with the Underwriting Team daily to improve the underwriting process and Lender/Borrower experience with Windsor Advantage. - Work with the packager/closer team for a smooth hand-off of the borrower to the next level in the SBA Process (submission and closing). - If needed, assist in screen-out responses, credit addendums, and memos to the file. - Support and help implement organizational initiatives. - Ensure the security and confidentiality of private customer information. - Exercise discretion and work independently to make judgements with respect to matters of significance. Qualifications - Bachelor’s Degree in Finance or Accounting; or other related area; or equivalent relevant experience. - Minimum 3 years of commercial loans and/or SBA/USDA loan experience. - Recent underwriting experience in a high-volume environment with full knowledge of the lending requirement, regulations, and procedures for conventional, SBA and USDA loan programs preferred. Technical Knowledge and Skills - Understanding of SBA Loan Programs and knowledge of eligible and ineligible loan requests. - Understanding of credit analysis to include sources and uses of proceeds, source of equity injection, collateral analysis, applicant financial analysis of repayment ability, spread of pro-forma business balance sheet, financial ratio benchmarks, working capital adequacy, business and industry overview to include management qualifications/experience, and affiliate cash flow analysis. - Strong verbal and written communications skills. - Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines, and following projects through to completion. - Must be organized and detail oriented. - Strong computer skills; including a working knowledge of Microsoft Office Suite as well as knowledge of computer systems as they relate to commercial lending activities preferred. Compensation - Base Salary Range: $65,000 - $95,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description. - Additional Compensation: This role will include a yearly annual target bonus based on individual performance. Working Arrangements - This is a 100% remote role. Benefits - Join a growing company with a culture that fosters an entrepreneurial spirit. - Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more. - Company Contributions to your 401k - Regardless of your contribution. - Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more! - Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities.

Role Description The Loan Processing Associate V is responsible for providing quality customer service while processing loans through closing. The Loan Processing Associate V will quarterback communication with clients, borrowers, government entities, and other third parties (e.g., insurance agents, attorneys, CPA’s etc.), exercising discretion and judgment. This position includes required participation in and contribution to weekly departmental and pipeline meetings. Position Responsibilities - Exhibit a detailed understanding, application, and adherence to Loan Processing policies and procedures. - Oversee and ensure policies and procedures are being followed in compliance with regulatory and company guidelines. - Distribute, collect, and review loan application processing checklist to obtain SBA Authorization and loan closing. - Exhibit in-depth understanding of SBA rules/regulations and develop an ability to utilize this knowledge to independently create unique solutions and thoughtful structures. - Manage critical relationships with borrowers, financial intermediaries, lenders, Windsor management, and the SBA throughout the loan lifecycle using effective communication with a high attention to detail. - Ability to operate with a high degree of autonomy, exercising seasoned judgment to proactively identify issues, recommend solutions, and resolve escalated processing and closing challenges without routine oversight or direction from management. - Serve as a senior individual contributor and functional leader within the processing team, independently managing the most complex and high-risk SBA loan structures. - Consistently carry a materially higher loan volume and complexity mix than junior processing roles, while maintaining accuracy, regulatory compliance, service quality, and on-time delivery expectations. - Independently interpret and apply SBA SOP guidance to structure compliant, borrower-specific solutions, including resolving screen-outs, exceptions, and SBA inquiries with minimal escalation. - Represent Windsor with a high level of professionalism and credibility in direct communications with the SBA, external banks, attorneys, and third-party vendors, serving as a point of escalation when senior-level engagement is required. - Distribute Loan Application Processing Checklists. - Collect all Loan Application Processing Checklist documentation. - Prepare accurate and comprehensive application packages. - Submit signed packages to SBA via upload portal online. - Submit 4506-C to the IRS and complete tax verifications upon return. - Order and review any necessary third-party reports as needed. - Effectively manage and interface with third party vendors. - Work with lender and borrower on SBA screen outs. Interface directly with SBA loan specialist staff. - Prepare and/or review SBA authorization once received, depending on processing method, and interface with lender’s closing counsel. - Special Projects assigned as necessary. - Actively contribute to weekly department meetings to identify, discuss, solve, and implement department process improvements. - Adhere specifically to all company policies and procedures, Federal and State regulations, and laws. - Responsible for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering or other unlawful activities. Qualifications - Bachelor’s degree in finance, accounting, or a related field preferred; or equivalent related work experience required. - Minimum 12 years related experience in administration, finance, or similar industry. - Minimum of 10 years of experience with SBA loan processing and loan closings. Requirements - Knowledge of commercial loan products and basic accounting. - A working knowledge of commercial credit principles and pertinent laws is preferred. - Knowledge of computer systems as they relate to lending activities, including Microsoft Office Suite to include Word, Excel, and Outlook is a must. - Experience with SBA rules/regulations preferred. - Advanced or expert level Excel skills required. - Strong math and analytical skills. - Excellent written and verbal communication skills. Compensation - Base Salary Range: Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description. - Additional Compensation: This role will include a yearly annual target bonus based on individual performance. Working Arrangements - This is a remote role. Benefits - Join a growing company with a culture that fosters an entrepreneurial spirit. - Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more. - Company Contributions to your 401k - Regardless of your contribution. - Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more! - Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities.