Commercial Loan Underwriter IV

Join Us in Making an Impact ✨ At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it! Who You Are You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together. What You’ll Do This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 The Commercial Loan Underwriter IV is responsible for underwriting and managing the department’s most complex loans and relationships. The role provides mentorship and coaching to junior underwriters by providing development opportunities, feedback, training, and guidance, as appropriate. The Commercial Loan Underwriter IV also provides direct support to all commercial lending teams in the Credit Union and assists with monitoring and servicing credit relationships, including all commercial loan types and products. Essential Functions Works directly with lenders under little supervision to underwrite credit requests as assigned. Oversees the periodic loan review process to ensure all loans are reviewed appropriately and timely. Reviews and approves loans within delegated authority and provides recommendations on credit requests that exceed individual lending authority. Provides mentoring, training, advising, and assistance to junior underwriters during the underwriting process, including new and modification loan requests and periodic loan reviews. Ensures compliance standards are met and maintained for the entire commercial loan portfolio. Assists in the workflow management of the Commercial Loan Underwriting Team and provides efficiency recommendations. Promotes partnership and relationship-building with business partners within the organization. Assists management in communicating and administering policies, procedures, and practices. Acts as control point in the loan approval process to ensure adherence to Credit Union procedures, credit policies, and loan covenants. Monitors the existing commercial loan portfolio and provides collection efforts on delinquent accounts. Supports audits and credit examinations of the commercial loan portfolio. Responsible for monitoring loan portfolios as assigned, including periodic reviews, determining risk ratings, ensuring compliance with loan covenants, and completing underwriting tasks for modifications and extensions of loan terms. Identifies, gathers, and analyzes information to assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures. Reviews leases, rent rolls, construction contracts, appraisals, environmental assessment reports, Uniform Commercial Code (UCC) searches, flood determinations, insurance policies, and other information to assess risks associated with the Credit Union’s collateral position. Reviews and analyzes the creditworthiness of all commercial loan originations, prepares written credit memorandums for presentation and approval, loan covenant monitoring, risk rating, stress testing, and audit preparation. Participates in presentations to Member Business Loan Committee (MBLC) and the Executive Lending Committee. Facilitates and attends sales calls and visits for select-sized loans. Assists in the oversight of the workout loan portfolio and completes quarterly monitoring reports. Oversees underwriting and decisioning of small business and business credit card loans processed by underwriters. Partners with business banking officers to obtain all necessary financial and other documentation to underwrite a loan and move it through the approval process. Ensures all loan requirements have been met prior to loan closing. Provides post-funding analytical and monitoring support of credit relationships and portfolio maintenance. What You Bring High School Diploma Required Bachelor's Degree Required 8 to 10 years of similar or related experience. in commercial lending required... Small Business Administration (SBA) Underwriting experience preferred. Proven ability in commercial lending, including lines of credit, term loans, and commercial real estate lending. Strong written and verbal communication skills Knowledge and experience with office suite software (e.g., Microsoft Outlook, Word, Excel, PowerPoint) Strong attention-to-detail, organization, and multitasking skills Compensation & Benefits Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time Low-cost Medical, Dental & Vision plans Paid childcare assistance Award-winning 401K Gym fee reimbursement Tuition Reimbursement Student loan repayment ...and much more. Explore all the details in our comprehensive Benefits Booklet Target hiring range $111,801.86 - $139,752.33 (Depending on experience and prior to any incentives this position is eligible for) Why Join OneAZ? At OneAZ, we’re not just a credit union; we’re a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you’ll be part of a team committed to exceeding expectations and redefining what’s possible. Additional Notes: Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing System (NMLS). Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.