NewtekOne®, Your Business Solutions Company®, is a financial holding company, which along with its bank and non-bank consolidated subsidiaries, provides a wide range of business and financial solutions under the Newtek® brand to the small- and medium-sized business ("SMB") market. Since 1999, Newtek has provided state-of-the-art, cost-efficient products and services and efficient business strategies to SMB relationships across all 50 states to help them grow their sales, control their expenses, and reduce their risk.Newtek's and its subsidiaries' business and financial solutions include: banking (Newtek Bank, N.A.), Business Lending, Electronic Payment Processing, Technology Solutions (Cloud Computing, Data Backup, Storage and Retrieval, IT Consulting), eCommerce, Accounts Receivable Financing & Inventory Financing, Insurance Solutions, Web Services, and Payroll and Benefits Solutions.Essential Functions and Responsibilities: (other duties may be assigned as needed)Conduct financial and/or credit analyses, ensuring compliance with internal regulationsConduct initial review of incoming loan packages by determining creditworthiness and complianceAnalyze loan files and review loan documents for completenessAnalyze financial statements to determine operating trends and viability of businesses.Review tax returns and additional credit information to assess borrower/guarantor net worth and potentialPrepare detailed analyses of historical property operations to make informed decisions about future performance.Prepare preliminary and final credit memorandum for presentation to Credit Committee.Research and investigate applicable industry and market data/trends.Coordinate and incorporate 3rd party reports into the credit analysis.Projects loan level cash flows based on potential resolution outcomes.Provide full credit memos containing accurate and complete credit analysis of the loan applicantAnalyze applicant's business operations, historical cash flow, balance sheet and financial condition, management structure, collateral, projections, and compare these elements to RMAPrepare approval lettersKnowledge, Skills, and Abilities:Minimum of seven (7) years experience with underwriting ABL/ Factoring transactions. Strong understanding of cash flow in essential.Formal bank Credit Training Program or RMA Credit Courses.Computer literate; proficient with Microsoft Office products, i.e. Word, Excel, etc.Strong organizational, verbal and written communication skills are requiredKeen analytical, and decision-making skills are requiredAbility to establish and maintain effective work relationships both internally and externally.Other Duties: Participate in mandatory Community Reinvestment Act (CRA) activities and initiatives, including community outreach, volunteer events, financial education programs, and related efforts, as assigned.Salary range: $80,000 to $130,000 annually.NewtekOne is an Equal Opportunity Employer; M/F/D/V. We require all of our employees to work in an ethical manner and uphold our Code of Business Conduct and Ethics at all times.