Senior Commercial Real Estate Underwriter

Join Our Team at OptumOptum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.You'll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.Primary Responsibilities:Underwrite new commercial loan requests and perform periodic reviews on existing commercial loansCreate credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policiesAnalyze and document loan modification requestsBe knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit functionEnsure that loan files and documentation are completeMake, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communicationAssess and recommend risk ratings for underwritten loansAssist with portfolio management and monitoringDevelop and maintain positive relationships with internal and external clientsAssist in training and mentoring less experienced credit team membersYou'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.Required Qualifications:5+ years of experience analyzing business and personal financial statements associated with loan requests5+ years of experience underwriting commercial loans, including commercial real estate loansExperience making or recommending credit decisions on transactions > $10 millionKnowledge of commercial real estate financing, loan documentation, lending laws, loan transaction procedures, portfolio monitoring, and loan servicingPreferred Qualifications:Bachelor's degree in Finance, Accounting, Economics, or BusinessFormal commercial credit training programExperience working in credit or lending role with a commercial bankExperience working out problem loansPay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment