Commercial Credit Underwriter I/II - Fresno, Bakersfield, Sacramento CA
Company: Disability Solutions
Location: Sacramento
Posted on: May 4, 2024
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Job Description:
Job Description:The Commercial Credit Underwriter is responsible
for underwriting and structuring of straightforward and complex
credit transactions with minimal oversight from the CO (Credit
Officer)/CCM (Commercial Credit Manager). The Underwriter approves
credit transactions with some coaching from the CO/CCM based on
approval grid. The Underwriter leads the credit approval process
with assistance from the CO/CCM as needed for clients with straight
forward credit needs and is an active participant with the CO in
credit approval process for complex clients/transactions.
Underwriter leads documentation and closing for straightforward
credit transactions and has an active role with the CO in
documentation and closing for complex transactions. They deliver
financial, industry, economic and other analysis to facilitate
decision making, while also ensuring adherence to credit policies,
guidelines, and applicable regulatory requirements. The Underwriter
provides ongoing coaching and support to other Credit team members.
They report to the Commercial Credit Manager and partner closely
with Credit Officers and Analysts.Responsibilities:--- Evaluates
credit worthiness and provides analysis and decisioning on whether
a client should receive a credit facility--- Partners with Credit
Officers, Relationship Management, and Risk teammates to assess and
deliver credit solutions--- Monitors the client's operating
performance and financial condition, proactively identifying issues
and opportunities--- Delivers financial modeling, loan structure,
industry, economic, and other analysis to team members to support
the loan decision-making process --- Ensures adherence to credit
policies, guidelines, procedures, and applicable regulatory
requirementsSkills:--- Credit and Risk Assessment--- Financial
Analysis--- Underwriting--- Attention to Detail--- Written
Communications--- Financial Forecasting and Modeling---
Recording/Organizing Information--- Credit Documentation
Requirements--- Analytical Thinking--- Collateral Management---
Loan Structuring--- Business Acumen--- Collaboration---
PrioritizationRequired Skills:5+ years of solid experience in
financial analysis, structuring, underwriting and portfolio
management in Commercial BankingStrong communication and
analytical/technical skills, including financial accounting,
modeling and loan structuringDesired Skills:Ag lending
experienceMinimum Education Requirement:BS/BA degree
preferredShift:1st shift (United States of America)Hours Per Week:
40
Keywords: Disability Solutions, Fairfield , Commercial Credit Underwriter I/II - Fresno, Bakersfield, Sacramento CA, Other , Sacramento, California
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