**We offer flexibility in where work is performed; however, we value in-person collaboration and team connection.  Candidates located in the Greenville, SC market who can participate in regular in-office engagement are strongly encouraged to apply.

Summary:

The SBA Appraisal and Environmental Analyst is responsible for performing independent reviews and analysis of business valuations supporting SBA and commercial lending activities. This role ensures valuations are reasonable, well-supported, and compliant with SBA SOP and internal credit risk standards.

 The position also supports environmental due diligence processes as a secondary function, helping ensure compliance with regulatory and Bank requirements. Serves as a key resource to lenders and credit teams on valuation-related matters.

Job Functions:

• Perform detailed, risk-based reviews of business valuation reports for SBA and commercial loans
• Assess valuation methodologies, financial assumptions, projections, and market data for reasonableness and supportability
• Identify inconsistencies, unsupported assumptions, or elevated risk factors and recommend corrective actions
• Ensure compliance with SBA SOP 50 10 and internal credit policy requirements related to business valuation
• Partner with credit and underwriting teams to support sound lending decisions based on valuation analysis
• Communicate findings clearly through written reviews and direct interaction with stakeholders
• Support the review of real estate appraisals and related collateral valuations as needed
• Ensure alignment with regulatory requirements, including FIRREA and Interagency Appraisal Guidelines
• Coordinate, track, and review environmental due diligence reports (e.g., Phase I/II ESA) to ensure completeness and compliance with internal policies, escalating any identified risks or concerns to appropriate stakeholders
• Assist in maintaining the Bank’s approved vendor panel for valuation and environmental services, including monitoring vendor performance, ensuring report quality, and supporting resolution of valuation and environmental-related issues
• Serve as a subject matter expert to Business Development Officers (BDOs), credit analysts, and underwriting teams, providing guidance on valuation concepts, expectations, and key risk considerations
• Assist in the development and maintenance of valuation and environmental policies and procedures, and support training on internal systems and processes
• Ensure timely completion of valuation and environmental reviews within established service level expectations 
• Must complete all required training, including Bank Secrecy Act/Anti-money Laundering training, suitable to their position within the bank

Education/Experience:

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field required
• Minimum of 3 years of experience in business valuation, financial analysis, or SBA lending required
• Direct experience reviewing or preparing business valuations strongly preferred
• Experience with SBA 7(a) and/or 504 loan programs preferred 
• Exposure to environmental due diligence processes is a plus

Skills and Competencies:

• Strong understanding of business valuation methodologies (income approach, market approach, asset-based approach)
• Ability to analyze financial statements, cash flow, and projections to assess valuation support
• Knowledge of SBA SOP requirements related to valuation and credit underwriting
• Familiarity with appraisal standards and environmental due diligence practices (preferred but not primary)
• Strong analytical and critical thinking skills with attention to detail
• Effective written and verbal communication skills, particularly in articulating risk and findings
• Ability to manage multiple priorities in a deadline-driven environment
• Proficiency in Excel and financial analysis tools; experience with valuation or credit systems preferred 
• Strong interpersonal skills and ability to collaborate across teams

Physical Requirements:

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 25 pounds at times.

Work Arrangement:

• This position is remote. 
• Occasional travel may be required for in-person training or meetings.

EEO Statement: We are an equal-opportunity employer. All qualified applicants will receive consideration for employment regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status, or any other protected category. All offers of employment shall be subject to the successful completion of all pre-employment screenings, verifications, and processes. Failure to comply with these processes or failure to successfully pass all phases of the pre-employment screening will result in a withdrawal of the employment offer.

Compensation is based on geographic location and individual pay decisions will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

Benefits:

• 401(k)
• 401(k) matching
• Health insurance
• Dental insurance
• Life insurance
• Paid time off
• Vision insurance
• Short- and Long-term disability
• Company-paid holidays

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