Commercial Loan Underwriter

Lodi, CA

Posted on 05/21/2020 by Sales Consultants of Sacramento

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Position Details




Financial / Banking



Job Level:

Experienced Professional (Non-Manager)

Reference ID:


Actively seeking an experienced Commercial Loan Underwriter to:
  • Evaluate commercial credit requests. 
  • Prepare and recommend credit authorizations. 
  • Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines.
  • Evaluate and verify collateral.
  • Analyze borrower's competitive and economic sensitivities, general business conditions and management.
  • Determine borrower credit worthiness/risk factors, and recommend risk mitigation measures.
  • Prepare credit authorization memorandum (CAM) and recommend credit approval. Includes financial review report and opinion of credit risk.
  • Prepare problem loan report and comment on current financial status of borrower.
  • Assist account officers with management of loan portfolios.
  • 3+ years of  C&I and CRE loan underwriting experience
  • Bachelor’s degree in business, accounting or equivalent training and experience(preferred)
  • Knowledge of commercial credit products, concepts, processes, and functions
  • Knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover
  • Ability to analyze and interpret financial statements, business reports and legal documents
  • Knowledge of applicable federal/state banking regulations Effective math skills, including ratios, percentages, interest and amortization
  • Good judgment and problem solving skills

For further consideration towards this and/or other opportunities please inquire confidentially to or call 916-850-2437.  All inquiries held in strict confidence.  Thank you for your interest.

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