Commercial Underwriter II

Tri Counties Bank•Roseville, CA

22h

About The Position

The Commercial Underwriter II underwrites commercial business, real estate, agriculture, and SBA 504 loan requests. The role analyzes financial information and loan applications, evaluates creditworthiness and repayment, recommends loan actions, and approves requests within assigned authority. The underwriter works with Relationship Managers and other sales staff to support borrowers and cross-selling, coordinates the credit approval and closing processes, and follows loans for renewals, reporting requirements, compliance, and delinquencies. The Level II role requires substantial small business or commercial lending and credit analysis experience. It includes analyzing financial statements, preparing cash flow and ratio analyses, writing loan recommendations, supporting sales staff as a product specialist and technical consultant, guiding Commercial Underwriter I staff, and providing project leadership. The role may supervise in the manager’s absence and assist the Commercial Loan Supervisor with identifying staff training needs.

Requirements

High school diploma or GED required.
Five years of proven experience in a small business or commercial lending environment for the Commercial Underwriter II level.
Substantial experience in small business or commercial lending and credit analysis.
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.
Experience in statistical portfolio management.
Ability to supervise in the manager’s absence.
Leadership abilities in a team environment and ability to provide project leadership.
Established knowledge of financial accounting theory and logic, loan structuring, and commercial products and services.
Ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives.
Excellent organizational skills and an efficient work demeanor that supports involvement in multiple areas.
Ability to use personal computers and Windows-driven programs, particularly Microsoft Office applications including 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 in place of an undergraduate degree.

Responsibilities

Analyze commercial loan applications and renewals to determine eligibility, creditworthiness, and appropriate credit grading.
Provide prompt turnaround on loan requests and confer with Relationship Managers about client needs and borrower options.
Request additional information and periodically attend client meetings to provide credit expertise.
Approve or decline commercial loan requests within assigned authority.
Recommend credit approval requirements, including financial performance covenants, monitoring requirements, and other loan provisions; ensure accurate grading of new and existing credits.
Coordinate the credit approval process, evaluate repayment, and mitigate risk.
Analyze industry, management, and economic trends.
Provide sales support to staff and answer questions about commercial loans; serve as a product specialist and technical consultant to branches and sales staff.
Ensure customer loan requests are processed accurately and promptly.
Coordinate with appraisal departments and escrow companies for secured loan products.
Order business and personal credit reports for business principals.
Coordinate compliance, decline-letter preparation, and maintenance of the adverse action database.
Track maturing lines and coordinate renewals so 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.
Comply with applicable federal and state laws and bank policies, including requirements related to Bank Secrecy Act, Information Security, identity theft, 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 asked.
Assist the Commercial Loan Supervisor with special projects, spreadsheets, graphs, and reports.
Guide Commercial Underwriter I staff when appropriate and recommend suitable loan structures for loans presented for approval.
Provide project leadership and supervise in the manager’s absence.
Assist the Commercial Loan Supervisor in identifying departmental staff training needs.