Citizens Bank SBA Underwriter IV in Pittsburgh, Pennsylvania


The SBA Underwiter IV position is responsible for effective credit and risk administration with particular emphasis on adherence to SBA Standard Operating Procedures contained in the most recent update, together with Citizens Bank credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and as needed client support of pooled or individual portfolio.

The Underwriter IV is responsible for ensuring overall portfolio performance and asset quality remains strong and is able to independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. Of utmost importance is the maintenance of the SBA guarantee and adherence to procedures to maintain that guarantee.

The Underwriter IV will independently interact with Senior Management, Sales Team, Credit Products Manager, Credit Officer and/or MAD / CRM, in order to discuss and resolve risk related issues. Portfolio Manager IV independently reviews financials, makes recommendations for approval of annual review/renewal and/or modifications.

The Underwriter IV will perform the functions of the position with only periodic oversight and is expected to perform with general supervisory intervention.

Colleagues that manage credits above $3 million in the complex underwriting stream complete annual reviews/renewals and/or modifications for approval under Four Eyes approval authority. Additionally they will underwrite and recommend new money requests for approval to credit officers.


10+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.

5-10 years direct SBA lending experience

Expected to have some level of credit and documentation experience. Must be skilled in proposing and negotiating and recommending credit and covenant structures.

Must demonstrate practical and conceptual knowledge of credit and risk analysis. Equivalent work experience may be considered as an alternative to formal degree program completion.


General knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RMs on how to structure the credit relationship.

Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to Bank.

Superior understanding of industry nuances applicable to the credits contained within group’s portfolio.

Superior knowledge of loan and related legal documents.

Strong communication skills; and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.

Hours & Work Schedule

Hours per Week: 40

Work Schedule: M-F 8-5

Why Work with Us

At Citizens, you’ll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Equal Employment and Opportunity Employer/Disabled/Veteran

It is the policy of Citizens Bank and Citizens Securities, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Opportunity & Affirmative Action Employer Disabled/Veteran

Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania.