Senior Credit Underwriter - Remote

Job ID: 101148841712Posted: 2026-09-26Location: Draper, Utah, United StatesSalary: $112,700 - $193,200/yearJob Area: Banking & Financial ServicesCompany: UnitedHealth GroupOptum 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 to start Caring. Connecting. Growing together.The Senior Credit Underwriter of syndicated credit will be responsible for underwriting, reviewing and negotiating loan requests to help the bank build, maintain, and accurately risk grade a high performing private credit, commercial and leveraged loan portfolio. This role will involve working closely with external banking partners, portfolio managers, legal, credit administration, and bank leadership. 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:Develop policies, procedures, templates, and other critical structures to establish a quality credit portfolio Work with third-party partners to identify prospective syndicated and leverage loans within the parameters of the Bank's risk appetite Lead the due diligence and underwriting process of new loan opportunities and perform periodic reviews on existing loans Make, recommend, and present credit decisions to credit administration and the credit committee through both effective written and verbal communication Assess and recommend risk ratings for underwritten loans Create 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 policies Create and analyze enterprise valuation models, including but not limited to, discount cash flow models and comparable market approach valuations Maintain expert level knowledge of Bank policies, guidelines, procedures, regulations and systems applicable to the credit function Ensure that loan files and documentation are complete and accurate on an ongoing basis Perform portfolio management and monitoring duties including covenant testing Ensure accuracy of internal reports and systems related to the portfolio Develop and maintain positive relationships with internal and external partners Assistance with strategic initiatives and projects Travel to lender meetings as needed You'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:7+ years of experience underwriting and structuring commercial, corporate, syndicated and leveraged loan transactions7+ years of experience analyzing and spreading business financial statements associated with commercial and corporate loan transactions7+ years of experience working in a commercial credit or lending role with a commercial bank or investment bank7+ years of buy side and or sell side syndicated credit experience with a commercial bank or investment banExperience making or recommending credit decisions on transactions > $100 million Experience leveraging AI-enabled tools and technology to enhance research, analysis, documentation, workflow efficiency, and decision-making while maintaining appropriate human judgment, risk management, and regulatory complianceAbility and willingness to travel up to 15% as neededPreferred Qualifications:Completion of a formal commercial credit training program Professional certification (CFA, CAIA, etc.) 10+ years of experience in buy side and sell side bank loan syndications 3+ years of experience underwriting private credit Experience with special assets and workout loans *All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter PolicyPay 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 $112,700 - $193,200 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.At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.UnitedHealth Group is 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 is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.