SBA Credit Analyst

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.