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Commercial Loan Underwriter

Company: Altus Recruiting
Location: Del Mar
Posted on: September 16, 2020

Job Description:

OVERVIEW:----Our client, a well established and reputable Bank in San Diego County is seeking a commercial loan underwriter to join the growing team. The bank is well-established, well capitalized, healthy, actively lending with a nimble & entrepereneurial approach to getting deals done. With a diverse set of product offerings that range from CRE, SBA, C&I small balance to middle market, our client is looking for competent credit professionals that are interested in maximizing their career potential with a fast rising, progressive bank with an excellent corporate culture. DUTIES & RESPONSIBILITIES:--- The Underwriter will be responsible for spreading and analyzing personal financial statements and projections to determine financial capacity of borrowers, as well as maintaining an assigned loan portfolio.--- Responsible for document collection, review and analysis in support of loan officers and underwriters.--- Preparing, reviewing and analyzing the creditworthiness of all commercial loan originations (including but not limited to CRE, C&I and SBA loans) and renewals by spreading company and personal financial statements and tax returns into Bank's software.--- Preparing written Credit Memorandums for presentation and approval and evaluating financial statements and tax returns, historical trends, projections, management performance, industry, cash flow, capital structure and collateral analysis.--- Provide direct support to Senior Underwriters/Relationship Managers to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans.--- Experience in commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis. Formal credit training is preferred.--- Analyze financial statements to provide observations of trends, inconsistencies and evaluate financial risk for borrowers and/or guarantors.--- Assist in the preparation of Loan Reports and Credit Authorizations for presentation to senior credit personnel and/or credit committees.--- Loan servicing (minor amendments, modifications, annual review/renewals).--- Duties also include but not limited to: site visits, ticker tracking, collections, monitor clients' covenant compliance, drafting and reviewing of loan documents, and preparation and review of monthly and quarterly account reviews, etc.DESIRED SKILLS & EXPERIENCE:--- A minimum 3 years of CRE and C&I underwriting experience in a bank or financial services environment.--- Advanced working knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow analysis.--- 4 Year college degree (Bachelor) or equivalent work experience.--- Ability to work effectively in a collaborative environment, providing stellar service to colleagues and customers alike.--- Ability to work on multiple transactions simultaneously and meet service level turn times.--- Thorough knowledge of appropriate banking laws, regulations and institutions policies and procedures.

Keywords: Altus Recruiting, San Diego , Commercial Loan Underwriter, Other , Del Mar, California

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