Commercial Real Estate Loan Underwriter

Job Description

Job Description

Do meaningful work where relationships come first.

At Orange County’s Credit Union (OCFCU), banking has always been personal. For over 85 years, we’ve helped our members reach life’s biggest milestones—not by pushing transactions, but by building real, lasting relationships. Today, with $3+ billion in assets and 145,000+ members, we’re proud of the trust we’ve earned and energized about what’s ahead. Our commitment to people—members and employees alike—has led us to be named #1 Credit Union by the Orange County Register multiple years, including 2024 and 2025.

When you join OCFCU, you join a team where your contributions matter, your voice is heard, and your work makes a real impact every day.

Who You Are

You’re more than a numbers person—you’re a thoughtful problem-solver and a trusted advisor. You enjoy digging into financials, but what really drives you is understanding the story behind the numbers. You ask insightful questions, think critically, and take pride in delivering well-reasoned recommendations that help both the organization and our members succeed.

You’re naturally curious, detail-oriented, and collaborative. You balance risk with opportunity, and you know that strong underwriting isn’t just about protecting the portfolio—it’s about making smart, relationship-driven decisions.

If you’re someone who brings sound judgment, intellectual curiosity, and a genuine commitment to doing the right thing, you’ll feel right at home here.

What You’ll Do

In the Commercial Real Estate Loan Underwriter role, you’ll take the lead on analyzing and underwriting a wide variety of commercial credit transactions—including commercial real estate, lines of credit, asset-based lending, and equipment financing—with a high degree of independence.

You’ll:

• Dive deep into financial statements, tax returns, and projections to assess borrower strength
• Evaluate complex deal structures, entity relationships, and collateral
• Create clear, compelling credit memos, annual reviews, and market reports
• Use your analytical skills to run projections and “what-if” scenarios that inform smart decisions
• Stay proactive—keeping up with market trends, economic shifts, and regulatory updates
• Collaborate closely with loan officers, processors, and leadership
• Serve as a go-to resource for the team, sharing your expertise and insights
• Build and maintain strong relationships within the portfolio

Qualifications:

• You bring 5+ years of commercial underwriting experience, including commercial real estate
• You have a strong foundation in financial and tax analysis
• You’re confident navigating complex credit structures and regulatory requirements (FNMA, FHLMC, etc.)
• You’re comfortable with credit analysis tools (Sageworks/Abrigo is a plus)
• You communicate clearly and confidently—both written and verbal
• You take ownership, follow through, and approach your work with care and integrity
• Most importantly, you value relationships as much as results

Final offers are based on qualifications, internal equity, and the level of position offered. The target hourly pay range for the Commercial Real Estate Loan Underwriter is $40.00 - $50.00.

Generous benefits include:

• Anthem & Delta Care USA Dental – From day one of employment!
• Life insurance at no cost to associates.
• 401(k) – OCCU contributes up to 6% of gross earnings (dollar for dollar).
• Vacation hours – 13 days per year, rolls over year-to-year and increases with tenure.
• Sick hours – 7 days per year
• Paid Holidays
• Annual performance merit increases
• Professional and personal development programs, including educational grants up to $1k per year and step progression opportunities.
• Annual discretionary bonus
• Professional, welcoming, and collaborative work environment focused on achieving goals, recognizing successes, and excelling at member service.

Orange County's Federal Credit Union is an Equal Opportunity Employer. Pre-employment screenings, including background and credit checks, are required.