LISA MOORE HARRIS
Wilmington,NC
Summary
SBA Credit Administration Officer with 25+ years of experience across commercial lending, CRE and construction finance, credit administration, and outsourced (LSP) underwriting, including 8 years of dedicated SBA 7(a) underwriting. Former commercial lender with strong insight into borrower needs, BDO priorities, and bank risk appetite, supported by a deep foundation in commercial and CRE credit. Skilled in underwriting SBA 7(a) loans up to $5MM and producing clean, defensible credit decisions grounded in eligibility, structure, collateral, and global cash flow analysis. Experienced across bank SBA platforms and multi-client LSP environments.
Overview
17
17
years of professional experience
Work History
- Originated complex commercial, construction, and A&D loans for operating companies, builders, and developers.
- Built and expanded commercial loan portfolios, including growing one market from $4MM to $38MM in two years.
- Developed Residential Builder Team financing programs generating $22MM in production.
- Managed CRE, construction, and builder-finance portfolios reaching $98MM and $150MM.
- Managed two distinct portfolios across separate roles: a $98MM commercial/CRE portfolio and later a $150MM residential builder-finance portfolio focused on speculative construction.
- Served as internal SBA resource for eligibility, structure, and documentation.
Vice President | SBA Credit Administration Officer | SBA 7(a) Underwriter
North State Bank
Wilmington, NC
01.2024 - Current
- SBA Credit Administration Officer with extensive SBA 7(a) underwriting experience, responsible for loans up to $5MM across business acquisitions, partner buyouts, startups, franchises, expansions, and owner-occupied CRE.
- Produce clean, defensible credit memoranda with a focus on eligibility, structure, collateral, global cash flow, repayment capacity, and overall risk.
- Identify eligibility and structural issues early and collaborate with BDOs to develop SOP-compliant solutions that maintain deal momentum.
- Coordinate with closing and operations teams to support accurate SBA submissions and timely loan execution.
- Operate in a fully remote underwriting environment with high productivity, clear communication, and effective independent workflow management.
Vice President | SBA 7(a) Underwriter
Berkshire Bank - 44 Business Capital Division
Remote
01.2022 - 01.2024
- Performed the same core SBA 7(a) underwriting responsibilities across all three institutions, supporting a multistate SBA lending platform.
Vice President | SBA 7(a) Underwriter
West Town Bank & Trust
Remote
01.2020 - 01.2022
- Performed the same core SBA 7(a) underwriting responsibilities across all three institutions, supporting a multistate SBA lending platform.
Vice President | SBA 7(a) Underwriter
Newtek Small Business Lending
Remote
01.2018 - 01.2020
- Provided outsourced SBA 7(a) underwriting for multiple lender clients through a third-party LSP platform.
- Adapted to varying credit cultures, underwriting philosophies, and lender-specific SOP interpretations.
- Delivered consistent, submission-ready credit memoranda with clear structure, eligibility analysis, and defensible credit rationale.
- Strengthened ability to work efficiently in multi-client, multi-process environments- a key differentiator for LSP roles.
Vice President | Commercial & Construction Lender | BDO
First Bank
Wilmington, NC
01.2009 - 01.2014
- One of the few commercial lenders retained during First Bank’s FDIC-assisted acquisition of Cooperative Bank.
- Originated and grew a self-sourced commercial loan portfolio heavily concentrated in CRE, including A&D, speculative commercial construction, owner-occupied CRE, and speculative residential construction.
- Achieved 190% of annual loan production goal in 2013; on track to exceed goal in 2014.
- Managed a defined portfolio of acquired problem loans under the FDIC Loss Share Agreement, successfully resolving $20MM in special assets while continuing to operate in a commercial lending/ BDO capacity.
Education
BS - Accounting
UNC Wilmington
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Graduate School of Banking - LSU
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NC School of Banking - UNC Chapel Hill
Skills
- SBA 7(a) Underwriting
- Cash Flow, Global Debt Service & Working Capital / Liquidity Adequacy Analysis
- Credit Structuring, Risk Assessment & Collateral / Liquidation Analysis
- SBA Construction, Leasehold Improvement & Owner-Occupied CRE (EPC/OC)
- Conventional CRE Acquisition, Development & Construction Lending
- LSP / Outsourced SBA Underwriting
- NCino
- Abrigo
- SPARK
- Excel
Timeline
Vice President | SBA Credit Administration Officer | SBA 7(a) Underwriter
North State Bank
01.2024 - Current
Vice President | SBA 7(a) Underwriter
Berkshire Bank - 44 Business Capital Division
01.2022 - 01.2024
Vice President | SBA 7(a) Underwriter
West Town Bank & Trust
01.2020 - 01.2022
Vice President | SBA 7(a) Underwriter
Newtek Small Business Lending
01.2018 - 01.2020
Vice President | Commercial & Construction Lender | BDO
First Bank
01.2009 - 01.2014
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Graduate School of Banking - LSU
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NC School of Banking - UNC Chapel Hill
BS - Accounting
UNC Wilmington