{"id":747750,"url":"https://alion.io/job/windsoradvantage-sba-underwriter-ii","title":"SBA Underwriter II","company":{"id":689841,"name":"Windsor Advantage","domain":"windsoradvantage.com","url":"https://alion.io/company/windsoradvantage","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["United States"],"countries":["US"],"hiring_countries":["US"],"hiring_countries_total":1,"salary":{"min":65000,"max":95000,"currency":"USD","period":"year","gross":null,"usd_annual":95000},"salary_estimate":null,"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Office","optional":false}],"status":"live","first_seen_at":"2026-05-14T21:47:24Z","employer_posted_date":"2026-09-18","last_verified_at":"2026-11-05T07:52:42Z","board_verified":true,"closed_at":null,"days_open":174,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":174},"description":"About Us\nWindsor Advantage, an affiliate of Capital Bank N.A., is one of the nation's leading Lender Service Providers (LSP). Windsor Advantage provides banks, credit unions and CDFIs with a comprehensive outsourced SBA 7(a) and USDA lending platform without the need to hire staff or incurring capital expenditures. Since 2010, Windsor has processed more than $4.5 billion in government guaranteed loans and currently services a portfolio for over 100 lenders nationwide.\nWith more than 150 years of cumulative SBA lending experience, cutting edge technology, rigid controls and consistent processes, Windsor is uniquely qualified to assist any size lender with implementing a thoughtful and profitable government guaranteed lending initiative.\nCapital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services primarily to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states.\nPosition Purpose\n 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.\nPosition Responsibilities\nPrepare, review, and analyze the creditworthiness of all applicant’s loan requests by spreading company and personal financial statements.\nManage 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.\nInform 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.\nPrepare 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. If there is a collateral shortfall, SBA may require personal and/or affiliate assets for coverage.\nBusiness 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.\nSpread 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.\nDiscuss RMA Common Size ratios in comparison to the borrower’s revenues and expenses.\nAnalyze and spread affiliate businesses to show these entities will not be a strain on the applicant/borrower.\nAnalyze the principals’ and guarantors’ personal financial statement, personal tax returns and credit report.\nPrepare a global cash flow and rate sensitivity spreads to determine the business and its affiliates meet the SOP guideline for DSC of 1x.\nSpread 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.\nSBA 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.\nIf applicable, review CAIVRS that check for delinquent Federal debt and prior loss to the Federal Government. Sam.gov reports are obtained for the business, for all principals, affiliate businesses, broker/agent, LSP employees and SBA Lender that show none of these entities are debarred from conducting business with theFederal Government.\n\nWork with the Underwriting Team daily to improve the underwriting process and Lender/Borrower experience with Windsor Advantage. The underwriter is the first line of contact with the clients; therefore, it is imperative that the Underwriter represents the best Windsor has to offer the clients.\nWork 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.\nSupports and helps implement organizational initiatives.\nEnsure the security and confidentiality of private customer information. Protect against unauthorized access to or use of customer information that could result in harm or inconvenience to the customer.\nExercise discretion and work independently to make judgements with respect to matters of significance, and to be able to discern items that can impact risk to Windsor Advantage\nMinimum Education & Experience\nBachelor’s Degree in Finance or Accounting; or other related area; or equivalent relevant experience.\nMinimum 3 years of commercial loans and/or SBA/USDA loan experience.\nRecent 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.\nTechnical Knowledge and Skills\nUnderstanding of SBA Loan Programs and knowledge of eligible and ineligible loan requests.\nUnderstanding 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\nStrong verbal and written communications skills.\nMust be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines, and following projects through to completion.\nMust be organized and detail oriented.\nStrong computer skills; including a working knowledge of Microsoft Office Suite as well as knowledge of computer systems as they relate tocommercial lending activities preferred.\n\nCompensation\nBase 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. \nAdditional Compensation: This role will include a yearly annual target bonus based on individual performance.\nWorking Arrangements\nThis is a 100% remote role.\nWhy Join Us?\nJoin a growing company with a culture that fosters an entrepreneurial spirit\nComprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more? \nCompany Contributions to your 401k - Regardless of your contribution\nEmployee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!\nGenerous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities \nSupporting Businesses. Helping People. Strengthening Communities. \nWindsor Advantage LLC is an E-Verify, Affirmative Action and Equal Opportunity Employer.","description_format":"text","description_chars":8107,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Life insurance","Parental leave"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Business & SME Lending","Consumer Loans & Pawnshops"],"lifecycle":[{"event":"open","at":"2026-09-11T14:41:50Z"}],"visa":[],"liveness":{"score":11,"band":"cold","label":"Long shot","p_open":1,"p_active":0.383,"p_room":0.28,"age_days":174,"expected_fill_days":35,"reasons":["conf:3","win:tail","crowd:"],"computed_at":"2026-11-05T05:54:30Z"},"pay":{"stated_usd_annual":95000,"is_top_pay":true},"html_url":"https://alion.io/job/windsoradvantage-sba-underwriter-ii","json_url":"https://alion.io/job/windsoradvantage-sba-underwriter-ii.json","meta":{"generated_at":"2026-11-05T10:41:26Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":13590,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-06T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":689841},"rest":"https://alion.io/mcp/rest/get_company?id=689841"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fwindsoradvantage-sba-underwriter-ii"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fwindsoradvantage-sba-underwriter-ii"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fwindsoradvantage-sba-underwriter-ii"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/windsoradvantage-sba-underwriter-ii\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fwindsoradvantage-sba-underwriter-ii"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":747750}},{"tool":"search_jobs","arguments":{"company":"windsoradvantage.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":747750},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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