Sr. CRE Underwriter

Provident Savings Bank • Riverside, CA

1d • Onsite

About The Position

Join the Provident Team Since 1956, Provident Savings Bank has proudly served the Inland Empire as a trusted community bank and the largest financial institution headquartered in Riverside. We are committed to delivering exceptional customer service while fostering a supportive, team-oriented workplace. Provident Savings Bank is seeking an experienced Sr. CRE Underwriter to join our Real Estate Financing team.

Requirements

• Completion of coursework in Appraisal, Escrow, and Real Estate Finance and Principles.
• Minimum of five years of mortgage banking experience, including at least three years as an underwriter; senior‑level underwriting experience strongly preferred.
• Comprehensive knowledge of bank lending policies, regulatory requirements, and major loan underwriting procedures.
• Strong verbal and written communication skills with the ability to interact effectively across all organizational levels and with external partners.
• High numerical aptitude, strong analytical ability, and exceptional attention to detail.
• Proficiency in Microsoft Word, Excel, Outlook, and standard office equipment.
• Ability to read, write, perform basic math, follow instructions, analyze information, and make independent decisions within the scope of responsibility.
• Valid CA driver’s license and current auto insurance meeting or exceeding CA DMV requirements is required.

Responsibilities

• Performs advanced underwriting and credit analysis for major loan submissions, including multi‑family CRE and Construction loans, ensuring full compliance with bank policies, underwriting standards, and regulatory requirements.
• Provides expert guidance to loan applicants, loan agents, brokers, and internal staff regarding lending programs, underwriting criteria, title and escrow procedures, and loan processing requirements.
• Conducts preliminary screening of loan submissions, prepares initial system runs, and ensures all loan data is accurately updated, logged, and maintained.
• Ensures loan files contain all required documentation, including appraisals, credit reports, financial statements, and tax returns; coordinates with loan agents to complete comprehensive loan packages.
• Prepares and presents detailed Loan Committee proposals for review and approval.
• Maintains strict confidentiality of all financial, customer, employee, and corporate information.
• Supports departmental operations by assisting with training, mentoring, and providing guidance to staff in the absence of the CRE Loan Administrator.
• Ensures compliance with the Bank Secrecy Act, USA Patriot Act, OFAC, and all applicable lending regulations, including conducting due diligence and reporting potential risks.
• Maintains a high level of performance, accuracy, and productivity to support departmental goals and service standards.
• Other duties/special projects as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed