Commercial Underwriter II

Tri Counties Bank•Roseville, CA

12h•$92,200 - $115,000

About The Position

The Commercial Underwriter II underwrites commercial business, real estate, agriculture, and SBA 504 loan requests. The role analyzes financial information, recommends loan actions, and approves requests within assigned authority. It analyzes applications and renewals to determine creditworthiness and appropriate credit grading, supports sales staff with cross-selling, prepares loans for legal documentation, monitors closings, and follows up on renewals, reporting requirements, compliance, and delinquencies. The position coordinates credit approvals, evaluates repayment capacity and mitigates risk, and provides underwriting expertise and sales support to Relationship Managers and other sales staff. It processes loan requests accurately and promptly, coordinates with appraisal departments and escrow companies, orders credit reports, maintains renewal and past-due tracking, and supports interim credit reports and real estate update memos. At the II level, the role requires substantial small business/commercial lending and credit analysis experience. It analyzes financial statements, prepares cash-flow and ratio analyses, makes loan recommendations, and produces concise loan write-ups. The underwriter may supervise in a manager’s absence, lead projects, serve as a product specialist and technical consultant, guide Commercial Underwriter I employees, and help identify departmental training needs. The role also maintains knowledge of bank underwriting policies and applicable regulatory requirements, may train colleagues, performs assigned special projects, and may perform Commercial Credit Officer duties in that person’s absence.

Requirements

High school diploma or GED required.
Five years of proven experience in a small business/commercial lending environment, including substantial commercial lending and credit analysis experience.
Thorough understanding of commercial financial statements and ability to communicate with commercial business owners.
Ability to analyze financial information and prepare cash-flow and ratio analyses.
Experience making loan recommendations and preparing concise loan write-ups.
Established knowledge of financial accounting theory and logic, loan structuring, and commercial products and services.
Proven ability to interpret and discuss analytical data and make credit recommendations to senior management and/or Risk Management on strategic issues or initiatives.
Experience in statistical portfolio management.
Ability to supervise in a manager’s absence, demonstrate leadership in a team environment, and provide project leadership.
Ability to provide guidance to Commercial Underwriter I employees and recommend appropriate loan structures.
Excellent organizational skills and an efficient work style that supports involvement in multiple areas.
Ability to use personal computers and Windows-driven programs, particularly Microsoft Office applications such as Word and Excel.
Ability to complete a high volume of work efficiently and accurately.
Excellent verbal and written communication skills.

Nice To Haves

Undergraduate degree in Finance, Business Administration, Accounting, or a related field; related work experience may be considered.

Responsibilities

Analyze commercial loan applications and renewals for eligibility, creditworthiness, and appropriate credit grading; provide prompt turnaround.
Consult with Relationship Managers about client needs and borrower options, request additional processing information, and attend client meetings as needed to provide credit expertise.
Approve or decline commercial loan requests within assigned authority and recommend approval requirements, covenants, monitoring requirements, loan provisions, and appropriate loan structures.
Coordinate the credit approval process, evaluate repayment capacity, and mitigate risk.
Analyze industry, management, and economic trends relevant to credit decisions.
Provide sales support and answer commercial lending questions for sales staff, branches, and colleagues.
Ensure loan requests are processed accurately and promptly; coordinate with appraisal departments and escrow companies for secured loans.
Order business and personal credit reports for business principals.
Coordinate compliance, prepare decline letters, and maintain the adverse action database.
Track maturing lines and coordinate renewals to ensure required information is received before maturity.
Monitor past-due loans in assigned portfolios, recommend actions to sales staff or contact customers as appropriate, and track pending actions or resolutions.
Assist Relationship Managers with Interim Credit Reports and Real Estate Update Memos.
Maintain current knowledge of bank underwriting guidelines, procedures, policies, compliance issues, and regulatory requirements for commercial lending documentation.
Maintain compliance with applicable bank policies, procedures, and federal and state laws and regulations, including BSA, SARs, CIP, OFAC, GLBA, identity theft red flags, and financial elder abuse reporting.
Input application and financial information.
Perform Commercial Credit Officer duties in their absence as needed.
Order loan documentation and review it for completion.
Provide formal or informal training and support to colleagues on credit fundamentals, policy, and underwriting techniques and guidelines when requested.
Assist the Commercial Loan Supervisor with special projects, spreadsheets, graphs, and reports.
Prepare cash-flow and ratio analyses, make loan recommendations, and write concise loan summaries.
Use statistical portfolio management experience and provide project leadership; supervise in a manager’s absence as needed.
Serve as a product specialist and technical consultant, guide Commercial Underwriter I employees, and assist the Commercial Loan Supervisor in identifying staff training needs.