Commercial Credit Underwriter - Real Estate and Small Business
About The Position
Orange County’s Credit Union (OCFCU) operates a full-service commercial lending platform serving business and commercial real estate borrowers. The Commercial Credit Underwriter analyzes and underwrites a variety of commercial credit transactions, including commercial real estate, lines of credit, asset-based lending, equipment financing, C&I, small business, treasury management products, and participation loans. The role requires independent judgment, global cash flow analysis, assessment of complex borrower structures, risk rating assignments, and well-supported credit recommendations. The underwriter reviews financial and tax information and relevant real estate materials, structures loan terms to mitigate risk, and presents recommendations to senior management and loan approval authorities. The position also supports covenant compliance, annual reviews, portfolio monitoring, emerging-risk assessment, and analysis of loan participations and syndicated credit opportunities. The target hourly pay range is $40.00–$53.00, with final offers based on qualifications, internal equity, and level of position offered. Pre-employment background and credit checks are required.
Requirements
- At least 3 years of commercial underwriting experience, including commercial real estate.
- Strong foundation in financial and tax analysis.
- Ability to navigate complex credit structures and regulatory requirements, including FNMA and FHLMC.
- Clear and confident written and verbal communication.
- Ownership, follow-through, care, and integrity in work.
Nice To Haves
- Experience with credit analysis tools; 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 and treasury management products, including 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 and Delta Care USA dental coverage from the first day of employment.
- Life insurance at no cost to associates.
- 401(k), with OCCU contributions up to 6% of gross earnings on a dollar-for-dollar basis.
- 13 vacation days per year, with rollover and increases based on tenure.
- 7 sick days per year.
- Paid holidays.
- Annual performance merit increases.
- Professional and personal development programs, including educational grants up to $1,000 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
