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Job Title: Jr Commercial Loan Underwriter
Location: Orcutt, 1125E Clark Avenue, Santa Maria, CA, 93345
Worker Category: Full-time Non-Ex Reg Full-Time
Job Class: Clerical
Under general direction of the Senior Commercial Underwriter and A.V.P Commercial Lending, the Jr. Commercial Underwriter is responsible for conducting credit investigations and analysis for small business loans of basic to moderate complexity.
Some of the responsibilities of the job are;
Spreads financial statements and tax returns and prepares detailed financial projections
Analyzes financial data using specialized commercial credit analysis software
Keeps informed of changes in economic or market conditions that might affect credit risk
Communicates as necessary with credit applicants to develop information concerning their business to determine whether loan may be an acceptable risk
Conducts site visits with member/borrowers as necessary to discuss financial conditions, loan structure or other applicable loan underwriting issues
Identifies opportunities to refer members or potential members to other departments that can offer solutions to their financial planning, loan or depository needs
May be asked to review loan documents prepared by the Business Services Staff or Management for accuracy and completeness prior to loan closing
Continuously monitors product offerings, terms and best practices of competitors and reports findings to management when appropriate
Reviews credit memoranda and underwriting analyses prepared by or received from the Credit Analyst or Underwriter for accuracy and adequacy
Talks with employees and members, answers questions, addresses complaints, and resolves situations while using good judgment and instilling good will
Follows policies and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) and Customer Identification Program (CIP) to ensure daily compliance with current regulations.
Some of the requirements of the job are;
Bachelor’s degree in Business, Finance or Accounting or equivalent experience is required
Possession of five or more years of business banking experience
Possession of two or more years of business loan underwriting experience
SBA loan underwriting experience is highly desirable
Strong knowledge of credit, accounting and financial analysis required
Thorough understanding of applicable laws and regulations required
Excellent credit and financial analysis skills
Ability to train others in the areas of cash flow and the overall functions of commercial lending
Ability to rapidly assimilate complex information
Ability to generate support and build consensus
Ability to gather and present data to advance transactions
Ability to be bonded
We offer great benefits including, very generous PTO, low premium health insurance, 401k matching and more…
If you are motivated and team-oriented, here’s your chance to work where every day is Another Great Day!
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