Lendio provides essential functions for a group of partner banks, acting as the origination, decisioning, SBA packaging, and lending service provider. We are committed to facilitating efficient and accurate loan processes to supporting lenders and the small businesses they serve.
SBA Subject Matter Experts serve as the primary borrower-facing owners of the SBA 7(a) loan process, with a focus on large-balance and standard transactions. This role requires deep familiarity with SBA eligibility, loan structuring, and documentation standards, as well as the ability to proactively manage borrower expectations and guide clients through complex credit and underwriting requirements. SBA Agents ensure a high-quality borrower experience while supporting efficient downstream processing and underwriting.
Act as the primary borrower point of contact through funding, owning the borrower relationship and driving momentum across the SBA 7(a) process.
Use consultative selling techniques to educate borrowers on SBA 7(a) structures, benefits, and requirements, positioning SBA financing as the optimal solution for business acquisition, expansion, refinance, or working capital needs.
Proactively manage borrower expectations around timelines, documentation, and underwriting to reduce fallout and increase close rates, particularly on large-balance transactions.
Provide front-line guidance on SBA-compliant loan structuring, including use of proceeds, ownership and guarantor requirements, equity injection, and affiliate considerations.
Help borrowers shape complete, financeable requests by aligning deal structure with SBA eligibility and lender credit appetite before underwriting.
Identify and address common structural or eligibility issues early to preserve deal viability and shorten cycle times.
Pipeline & File Progression Management
Drive timely completion of document packages and initial document submissions (typically within one week) through proactive follow-ups and clear borrower guidance.
Perform a high-level review of financials and supporting documents to understand the business, transaction dynamics, and potential credit challenges.
Maintain continuous forward pressure on assigned deals, ensuring borrowers respond quickly to document requests and lender feedback.
Partner closely with Funding Desk Processors, Funding Assistants, and Credit Specialists to communicate borrower updates, resolve documentation gaps, and keep deals moving toward approval and funding.
Translate lender and Funding Desk/Credit Specialist requests into clear, borrower-friendly action items to minimize friction and rework.
Act on feedback from internal teams to correct deficiencies and position files for clean underwriting and closing.
Maintain accurate, up-to-date CRM records documenting borrower interactions, deal status, and next steps to support pipeline visibility and forecasting.
Manage a portfolio of active opportunities, prioritizing efforts to maximize funded volume and minimize stalled or inactive files.
Five (5) years of experience in underwriting, loan processing, or a related financial field.
Exposure to reviewing and interpreting credit reports and financial statements.
Strong knowledge of current SBA SOP, eligibility requirements, and overall industry credit standards
Excellent attention to detail and organizational skills.
Experience with SBA loan packaging and requirements.
Knowledge of small business credit metrics and risk assessment.
Proficiency with various document management and financial software
Pay Range:
Benefits
Be part of a high-performing, collaborative team, and have fun at work each day
Competitive pay
A full suite of traditional benefits
Untracked PTO (Paid Time-off)
401(k) with company match
Company-contributed HSA
Onsite gym and standing desks
Wellness program
Discounted cellular plans
Infertility Coverage (Starting in 2026)
Get to know Lendio:
Lendio is the nation’s leading small business financial solutions provider, with a mission to help small businesses survive and thrive. With its diverse network of lenders, Lendio enables small business owners to apply for multiple business financing options with a single application. In addition to creating access to small business capital, Lendio offers time-saving financial SaaS products that are designed to streamline business operations.
Lendio is a mission-driven organization striving to provide equal access to capital to underserved communities and America’s smallest businesses. For every new marketplace loan Lendio facilitates, Lendio Gives—an employee-contribution and employer-matching fund, in partnership with KIVA–provides a microloan to low-income entrepreneurs around the world, continuously re-investing the fund.
Lendio is an equal opportunity employer committed to diversity and inclusion. We welcome anyone who wants to help small businesses survive and thrive and aligns with our core values, regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, veteran status, or other applicable legally protected characteristics. If you have a disability or special need that requires accommodation, please let us know.
Lendio participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.