Commercial Underwriter

OUR CLIENT has grown to over $7 Billion in assets with branches across the San Francisco Bay Area, Roseville-Sacramento Area, Greater Los Angeles, Orange County, Santa Barbara, and Greater San Diego Areas since opening their first branch in January 2005. They also have lenders in Northern and Southern California, as well as in Nevada and Texas. They have been ranked as one of the best-performing banks in the nation by the ICBA and named among the fastest-growing companies in America by Inc. 5000. POSITION OVERVIEW The VP, Commercial Loan Underwriter, is responsible for underwriting commercial loans. This role acts as a subject-matter expert in policy, assists in credit structuring, and ensures adherence to internal credit policies and regulations. You will analyze commercial and personal credit information from borrowers and guarantors to determine the risk involved in lending money to new and existing commercial real estate clients and verify and compile application information for commercial loans. You will be required to be in the office 5 days a week and work independently with minimal supervision. RESPONSIBILITIES Review loan application files to verify that application data is complete and meets established standards, including type and amount of loan, borrower assets, and liabilities. Underwrite and evaluate commercial loan requests from origination through closing, including initial credit approval, conditions, and post-closing oversight. Prepare credit memorandums and detailed credit analysis for inclusion in Bank credit authorization. Analyze financial statements, tax returns (both business and personal), projections, cash flow, debt service coverage, leverage, liquidity, and collateral. Assess business models, industry risks, market position, and management strength. REQUIREMENTS 3+ years of Commercial Real Estate & Business Loan underwriting experience. Bachelor’s degree in Finance, Accounting, Economics, Business or related field. Strong math skills and credit analysis capabilities – financial modeling, ratio analysis, stress testing, and sensitivity analysis. COMPENSATION Salary, Bonus, and Benefits commensurate with a mission-focused regional Community Bank LOCATION Santa Rosa, CA, in-office five days a week. #J-18808-Ljbffr