
7(a) Loan Specialist
Boutique LSP owner, and contract underwriter since 2018, Xiomara J. has previously worked for small to mid-sized community banks in the SBA underwriter role with approval authority up to $1,000,0000. She started her SBA career as a young lady in her twenties, and eager to learn small business lending. Xiomara's SBA journey started as a credit analyst... "it was hard, I had not had formal training, but it was challenging and that's what made me determined to learn it". Over time, and with true support from people who believed in her potential, she was able to develop her skills into an advanced SBA Underwriter.
"It is a privilege to train credit analysts and junior underwriters as my mentors helped me, and it makes me feel good to pay it forward. I love to learn about new industries, which is the beauty of SBA, however I enjoy underwriting in the hospitality, limited-service restaurant, full-service restaurant, franchised retail, and retail industries. I specialize in SBA 7(a) underwriting including the international trade and export capital programs. I can also underwrite SBA 504, Community Advantage, and USDA B&I deals". - Xiomara
Xiomara possess a sharp eye for detail, with over 17 years experience in Government Guaranteed lending specifically underwriting support. Proficient in SOP guidelines, Credit Memo Preparation, and Financial Analysis of small businesses. Believe it or not, underwriters make the best packagers because they tend to insightfully collect items on the forefront with packaging requirements in mind. That happens to be what you get when you work with a versatile person like Xiomara.
"I am always looking to learn more and am open to taking on challenging projects. Open to challenging contract work including underwriting support, loan packaging, and file audit projects. My ideal clients are small business lenders seeking temporary support for a specific task. I will also entertain franchise underwriting for franchise brokers who are trying to pitch deals to banks. I will also entertain government contracts for disaster recovery. I can also work in conjunction with SBA recruiters who are looking for permanent candidates but want to provide an immediate solution to their client in the interim, as they search for the right candidate".
Request meeting for hourly rate information. Numbers below represents # of support hours required for this service.
Receive SBA compliant credit memorandum using 7(a) program guidelines. This service is not designed for complex transactions with more than 2 affiliate operating companies.
Just need guidance on your packages? This service is designed to help departments determine whether a deal is SBA eligible under the 7(a) program.
Intimate training and development for individual underwriters who are new to SBA 7(a) program. This training lasts one work week and is online. Perfect for conventional underwriters or junior analysts.
Hourly rates are subject to change based on pipeline capacity. All rates are confirmed prior to rendering service.
1086 form completion, Complete Bid Sheet, and Market to Investors. This is a flat fee service.
Limited availability, based on capacity. Does not include document collection.
Please reach out to xiomara@sbaunderwriter.com if you cannot find an answer to your question.
No, you are hiring me individually as a contractor. I still enjoy SBA underwriting, therefore, I am proposing contract consulting services to interested parties who are seeking temporary support for a specific task. This is not meant for long term assignments.
6 months is the longest contract term. If your SBA department requires a longer term, please visit sbadirectaccess.com for expanded lender services.
It depends on my current pipeline, I will not take a deal if my capacity is limited.
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