SBA Credit Analyst

• Location: California
• Job Type: Full-Time | Non-Exempt | Hybrid Eligible
• Salary Range: $30 – $35/hour

About Commercial Bank of California

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $4 billion in assets as of December 2025.

We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive.

As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community-focused, relationship-driven bank that puts people over profits.

Job Summary

We are seeking a detail-oriented and motivated SBA Credit Analyst to join the SBA Department at Commercial Bank of California (CBC). This role is ideal for individuals with experience in SBA lending who are passionate about supporting small businesses and ensuring compliance with SBA guidelines.

As an SBA Credit Analyst, you will play a critical role in underwriting and portfolio management for SBA-guaranteed loans. You will analyze SBA loan applications for eligibility, prepare SBA-specific credit memos, and ensure adherence to SBA Standard Operating Procedures (SOPs). Your expertise will help CBC maintain compliance and deliver exceptional financial solutions to small business clients.

This position requires strong analytical skills, attention to detail, and knowledge of SBA lending programs. By joining CBC, you will help uphold our commitment to integrity, client success, and community-driven banking.

Essential Duties and Responsibilities

SBA Loan Analysis and Compliance

Analyze SBA loan applications for eligibility and compliance with SBA SOPs.

Prepare SBA-specific credit presentations and memos for new loans and renewals.

Coordinate with SBA and internal teams to ensure proper documentation and approvals.

Monitor SBA portfolio performance and maintain guaranty compliance.

Establish and Maintain Credit Files

Ensure all customer credit documentation—including loan applications, financial statements, tax returns, credit reports, and account information—is complete and up to date.

Maintain accurate and organized credit files in compliance with internal policies.

Monitor and update financial statements to ensure they remain current and meet loan agreement requirements.

Monitor Existing Credit Relationships

• Track existing credit lines to ensure compliance with loan terms and covenants.
• Review maturing loan reports and coordinate with account officers regarding renewals.
• Prepare renewal notifications and request updated financial information from customers.
• Identify and report covenant violations promptly and recommend appropriate actions.
• Evaluate loans for changes in risk and assist in risk rating adjustments.
• Support collateral reviews and audits for asset-based lending relationships.

Minimum Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 1–2 years of experience in SBA lending, credit analysis, or a related area.
• Knowledge of SBA loan programs, SOPs, and compliance requirements.
• Strong analytical, organizational, and communication skills; ability to work in a fast-paced environment.
• Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency.
• Computer literate in Windows, Word, Excel software.

Benefits & Perks

• Competitive employer contribution to medical, dental and vision coverage
• 401k plan with employer match
• Flexible Spending Accounts (FSA) and Dependent Care Accounts

Employee Assistance Program (EAP)

• Employer provided Calm subscription
• Employer provided mental health benefits through Teladoc
• Life, AD&D and disability insurance
• Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer
• Online discount program

Tuition Reimbursement Program

Join Our Team!

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Equal Employment Opportunity & Accommodations

Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic.

We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws.

Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at [email protected] with the nature of your request and your contact information.

Recruitment Policy

Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California.

We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.