Senior Credit Analyst/Underwriter

Department: Underwriting

Reports to: Credit Manager


Community Reinvestment Fund, USA (CRF) is a community development leader committed to bringing economic equity to underserved small businesses across the country while creating growth and development within said communities. Our primary mission is to provide capital and support services in low- and moderate-income communities to individuals who have historically had unequal access to financial services. Since 1988, CRF has helped reinvent the flow of capital, eliminate barriers to economic mobility and build community wealth. CRF forges a link between capital sources, local small business ecosystems and small business owners


Senior Credit Analyst/Underwriter works closely with our customers to successfully structure and finance loan transactions. Responsibility will be to underwrite SBA 7(a) and SBA 504 loans, as well as Affordable Housing loans.

Utilizing your experience and dedication, this role requires you to review loan packages, analyze financial statements using Moody’s Risk Analyst, critically evaluate borrower prospects, prepare credit presentations (write-ups), and provide support and guidance to less experienced staff, including peer reviews of their work, as needed.

As part of these responsibilities, the position works closely with CRF Regional Directors of Business Development and our Borrowers throughout the United States to capture key information to assess SBA program eligibility, determine whether borrowers meet our credit policy, complete analyses of the key credit factors and risks and make credit approval recommendations. As the motivated and detail oriented professional we seek, you will also review and recommend action on loan modification requests, working with our Loan Packaging and Closing Groups, and preparing regular monthly and ad hoc reports.


Bachelor’s degree in a related discipline (finance, accounting, business, statistics, economics, mathematics) also required (or equivalent experience). 10 years of business experience, primarily in credit underwriting for small business and /or commercial real estate loans.


Intermediate level of proficiency and experience with the internet and the following software: Microsoft Office, Word, and Excel; and a nationally known financial Statement analysis package, e.g., Moody’s Financial Analyst.


Work alone and with others. Work around others. Customer/Public contact.


CRF is a national non-profit with a local heartbeat. As a non-profit, not only are we community centric, we’re community vested. Our staff members volunteer with local causes and participate in neighborhood events that they’re passionate about. We believe that serving the community means working side by side with the people who make these communities great and more importantly, the best way to understand their needs.

Community Reinvestment Fund, USA (CRF) is an equal opportunity lender, provider, and employer. We value diversity, equity, and inclusion and we do not discriminate on the basis of religion, color, national origin, gender, sexual orientation, age, marital status, veteran statues, or disability status.


Please send resumes and cover letters to



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