Job Description

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.

Job Requirements

• 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 mike@scsacramento.com or call 916-850-2437.  All inquiries held in strict confidence.  Thank you for your interest.

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