Job Description

The Position Our bank client is seeking to file a Commercial Loan Underwriter role in the Sacramento, CA market. The successful candidate will be responsible for preparing written, in-depth, credit analysis for commercial loans. The candidate will analyze financial information and underwrite the creditworthiness of borrowers to ensure compliance with loan policy and all regulatory laws and regulations.

This position offers a generous salary of up to $110K and full benefits package.

Commercial Loan Underwriter responsibilities include:

• Managing loan underwriting process by underwriting, processing, and coordinating the closing of business loans in compliance with the Banks lending policies and procedures, and federal & state regulations.
• Collecting and analyzing financial data, financial condition, and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio, and industry analysis.
• Performing commercial real estate loan stress tests.
• Preparing written summary of loan terms and conditions and a written narrative explaining the business background, outlining risk factors, and justifying assigned risk rating
• Conducting a thorough review of balance sheets, income statements, cash flow statements, tax returns, business plans, and projections presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt.
• Identifying risks and assisting in structuring loans to mitigate risks.
• Assigning appropriate risk ratings.
• Monitoring loan repayment activities and take necessary action to collect on loan payments past due or matured loans.
• Preparing documentation needed to obtain approvals as appropriate.
• Interacting with account officers to negotiate loan terms and following up on information required to make decisions on the application.
• Complying with all bank policies, procedures, state and federal banking laws, and regulations.
• Serving on task forces and committees as assigned.

REQUIREMENTS

Who Are You? Youre someone who wants to influence your own development. Youre looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

• Bachelors degree in business administration, finance, accounting, or economics.
• Five or more years experience in Commercial Banking / Lending.
• Experience with cash flow analysis, ratio analysis, and projections is required.
• Strong knowledge of real estate appraisal techniques, field audit examination techniques, and commercial banking regulations required.
• Formal bank commercial credit training is a plus.
• Must have strong knowledge of Word, Excel, Sage works, Outlook, and other bank information systems as required.
• Solid qualitative and quantity analytical skills required.
• Excellent analytical, conceptual, writing, and communication skills.
• Possesses strong organizational skills and can work with limited supervision.
• Existing knowledge of assigned marketplace preferred.

BENEFITS

This position offers a generous salary of up to $110K and full benefits package.