Commercial Credit Underwriter - CRE and Small Business
About The Position
OCFCU operates a full-service commercial lending platform that serves both business and commercial real estate borrowers. Our team underwrites sophisticated credit relationships including investor CRE, owner-occupied CRE, multifamily, lines of credit, C&I, small business, treasury management products, equipment financing, and participation loans. Underwriters are expected to exercise independent judgment, perform global cash flow analysis, assess complex borrower structures, assign risk ratings, and develop well-supported credit recommendations. In the Commercial Real Estate Loan Underwriter role, you’ll take the lead on analyzing and underwriting a wide variety of commercial credit transactions—including commercial real estate, lines of credit, asset-based lending, and equipment financing—with a high degree of independence.
Requirements
- 3+ years of commercial underwriting experience, including commercial real estate
- Strong foundation in financial and tax analysis
- Confident navigating complex credit structures and regulatory requirements (FNMA, FHLMC, etc.)
- Experienced with credit analysis tools (Sageworks/Abrigo is a plus)
- Communicate clearly and confidently—both written and verbal
- Take ownership, follow through, and approach your work with care and integrity
Nice To Haves
- Sageworks/Abrigo is a plus
Responsibilities
- Underwrite investor and owner-occupied commercial real estate transactions.
- Review rent rolls, operating statements, appraisals, environmental reports, and market data.
- Underwrite C&I and small business credit relationships, as well as treasury management products (ACH, RDC, and cash management services).
- Analyze global cash flow across borrowers, guarantors, and affiliated entities.
- Structure loan terms and conditions to appropriately mitigate risk.
- Assign and recommend commercial credit risk ratings.
- Present recommendations to senior management and loan approval authorities.
- Evaluate covenant compliance and ongoing portfolio performance.
- Participate in annual review and portfolio monitoring activities.
- Identify emerging risks and recommend appropriate action plans.
- Analyze commercial loan participations and syndicated credit opportunities.
Benefits
- Anthem & Delta Care USA Dental – From day one of employment!
- Life insurance at no cost to associates.
- 401(k) – OCCU contributes up to 6% of gross earnings (dollar for dollar).
- Vacation hours – 13 days per year, rolls over year-to-year and increases with tenure.
- Sick hours – 7 days per year
- Paid Holidays
- Annual performance merit increases
- Professional and personal development programs, including educational grants up to $1k per year and step progression opportunities.
- Annual discretionary bonus
- Professional, welcoming, and collaborative work environment focused on achieving goals, recognizing successes, and excelling at member service.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
