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Credit Analyst

After winning Fastest Growing Company in San Francisco and Top 25 Best Places to Work, we are humbled and excited by this exciting time of growth! SmartBiz is revolutionizing small businesses lending, leveraging its powerful technology platform to provide quick, affordable SBA loans to small businesses across America. With fast funding, long term loans and the lowest interest rates in the industry, SmartBiz is the leading online marketplace for SBA loans.

SmartBiz Loans is seeking an exceptional Credit Analyst who is a self-started and eager to use their financial analysis skills. This role will support SmartBiz’s Lending Operations team in making sound credit decisions. SmartBiz offers one of the best products available in the $200B SMB lending marketplace and has grown to be the #1 online provider of SBA loans under $350k nationally.


  • Review financial statements and analyze other cash flow documents to determine credit worthiness of small businesses
  • Deep understanding of our and our partner bank's credit policies and credit culture
  • Analysis of the non-performing portfolio including identification of industry trends and other discernable patterns
  • In-depth training of new RMs and ongoing training of the existing Lending Operations team
  • Ensure compliance with bank partners under the SBA underwriting guidelines
  • Communicating with our bank partners’ credit teams to ensure alignment on credit policy
  • Writing and reviewing Credit Memos
  • Acting as a general resource of knowledge for all outbound deals to the bank


  • Maintain SmartBiz’s strong credit culture
  • Enforce quality control of files and integrity under bank criteria
  • Form a strong working relationship with the Relationship Managers internally and credit teams externally at partner banks


  • The best lending product in the industry
  • Competitive salary, rewarding incentive & stock option program
  • 100% paid medical benefits
  • Tri-weekly catering, as well as unlimited snacks, coffee and espresso
  • Well-established and thorough associate training program in credit and loan documentation
  • MacBook Air assigned to you
  • Monthly company happy-hours and off-sites

Desired Skills and Experience

  • From 1 to 3 years of experience as a credit analyst or underwriter
  • Strong knowledge of commercial banking underwriting
  • Exceptional oral & written communication skills
  • Peerless attention to detail and organization skills
  • Bachelor’s Degree in Accounting, Finance, Economics, or a related field
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