Loan Underwriting Officer

Golden Bank NA • Alhambra, CA

2d

About The Position

The Loan Underwriting Officer is responsible for evaluating and underwriting commercial loan requests through comprehensive financial and credit analysis to assess creditworthiness, repayment capacity, collateral adequacy, and overall risk. The position prepares credit recommendations, including appropriate loan structure, pricing, terms, covenants, and risk ratings, in accordance with the Bank’s lending policies and applicable regulatory requirements. The Loan Underwriting Officer works closely with lenders and management throughout the credit approval process; monitors assigned loan relationships and supports the identification and management of emerging credit risks. The position may also support business development efforts and assigned loan production goals.

Requirements

• Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field required; equivalent relevant experience may by considered.
• Strong knowledge of commercial credit underwriting and financial statement analysis.
• Strong understanding of cash flow analysis, global debt service, collateral analysis, and loan structuring.
• Knowledge of commercial real estate, C&I, and construction lending principles.
• Working knowledge of banking regulations, credit risk management practices, and loan documentation.
• Strong analytical and critical-thinking skills with the ability to identify material credit risks.
• Proficiency with Microsoft Excel, Word, loan origination systems, and financial spreading/credit analysis systems.

Nice To Haves

• 2-5 years of experience progressively responsible commercial credit analysis, underwriting, or related banking experience preferred.
• Experience underwriting commercial real estate, C&I, construction, and other commercial credits preferred.
• Formal bank credit training, or equivalent credit underwriting experience preferred.

Responsibilities

• Analyzes financial statements, cash flow, collateral, and repayment capacity to assess overall creditworthiness.
• Identifies key credit risks and provides well-supported underwriting recommendations.
• Exercises sound and independent credit judgment consistent with the Bank’s lending policies and risk appetite.
• Identifies emerging credit concerns and recommends appropriate risk mitigation measures.
• Develops appropriate loan structures, terms, covenants, and collateral requirements based on identified risks.
• Provides practical solutions to complex credit situations while maintaining prudent credit standards.
• Prepares clear, concise, and well-supported credit memoranda and recommendations.
• Effectively communicates credit analysis, risks, and recommendations to lenders, management, and loan committees.
• Works effectively with Relationship Managers, Credit Administration, Loan Operations, and other business partners.
• Provides constructive credit guidance while maintaining appropriate underwriting independence.
• Maintains accuracy, completeness, and timely completion of underwriting assignments.
• Ensures underwriting activities comply with Bank policies, approval authorities, and applicable regulatory requirements.
• Perform other duties as assigned by management.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level