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Mansueto Ventures is home to two of the most iconic and vibrant brands in business publishing: Inc. and Fast Company. Every day, the content, awards, and events produced help entrepreneurs and innovators succeed by providing useful insights, sparking essential conversations, and offering much-needed inspiration.

Inc. is the voice of the American entrepreneur, inspiring and documenting the risk-takers and ultra-driven go-getters who represent the most dynamic force in the American economy.
Fast Company is the world’s leading business media brand, focusing on innovation in technology, leadership, and design to inspire readers to shape the future of business.

","New York, NY","coloredLogo","logoAttachment","thumbnail","thumbnailAttachment","hexCode","#080D0C","headline","Publisher of Inc. and Fast Company, empowering innovators and entrepreneurs.","/companies/mansueto-ventures-careers","hasJobSubmission","isSavedJob","similarJobs",[519,530,541,561,581],{"_435":434,"_439":520,"_468":469,"_460":521,"_248":522,"_446":523,"_433":434,"_113":442,"_437":199,"_438":199,"_470":469,"_448":199,"_449":524,"_431":526,"_471":527,"_436":132,"_485":486,"_476":528,"_487":442,"_488":453,"_490":529,"_492":493,"_494":495},["D",1773727200000],"TD Bank","Commercial Credit Underwriter I

The Commercial Credit Underwriter I analyzes, underwrites and may act as the final decision authority on commercial loan applications while following sound lending practices, policies and procedures. The Commercial Credit Underwriter I ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements. Responsible for basic financial analysis of less complex loans/industries/Customers.\nDepth & Scope:\nMay possess loan decision authority up to position authority limits as defined in credit policy\nConducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits\nUnderwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices.\nPerforms in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/Fair Isaac output data\nMay investigate available sources of credit and financial information\nResearch economic and market conditions relating to the company, industry and market area\nNotes any deviations from loan policy, procedures and guidelines and identification/mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk\nIdentifies credit applications that require credit enhancements and decisions respective applications accordingly\nRenders final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports/Fair Isaacs Scoring Data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt\nWhen applicable, considers and discusses alternative structures and overall assessments with market, sales personnel and Customers\nSets conditions of lending and involved with post approval review with the post approval team to ensure conditions of lending are met or appropriately mitigated prior to loan closing\nMeets turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced\nMaintains a satisfactory level of portfolio delinquencies and charge-offs\nEducation & Experience:\nUndergraduate degree and/or\n3+ years of relevant experience or basic knowledge of credit and financial analysis techniques\nStrong analytical and research skills\nDemonstrated problem solving skills and the ability to blend technical knowledge and good business judgment\nStrong communication skills, both verbal and written\nProven organizational, multi-tasking, analytical, decision-making skills, and ability to meet deadlines\nGood interpersonal skills and a team orientation\nAbility to work with various levels of sales and market personnel\nDeveloped PC skills including proficiency and capability in word processing and spreadsheet software\nComputer literacy with a variety of software programs\nPhysical Requirements:\nDomestic Travel Occasional\nInternational Travel Never\nPerforming sedentary work Continuous\nPerforming multiple tasks Continuous\nOperating standard office equipment - Continuous\nResponding quickly to sounds Occasional\nSitting Continuous\nStanding Occasional\nWalking Occasional\nMoving safely in confined spaces Occasional\nLifting/Carrying (under 25 lbs.) Occasional\nLifting/Carrying (over 25 lbs.) Never\nSquatting Occasional\nBending Occasional\nKneeling Never\nCrawling Never\nClimbing Never\nReaching overhead Never\nReaching forward Occasional\nPushing Never\nPulling Never\nTwisting Never\nConcentrating for long periods of time Continuous\nApplying common sense to deal with problems involving standardized situations Continuous\nReading, writing and comprehending instructions Continuous\nAdding, subtracting, multiplying and dividing Continuous\nThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.\nTD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.\nOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.\nWe're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.\nTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.\n","Commercial Credit Underwriter I

The Commercial Credit Underwriter I analyzes, underwrites and may act as the final decision authority on c...",[525],{"_458":459,"_454":455,"_452":453,"_456":457},["B","2908792830"],"Work at TD Bank","/jobs/2908792830-commercial-credit-underwriter-i-us-1","/jobs?keyword=TD+Bank",{"_435":434,"_439":531,"_468":469,"_460":521,"_248":532,"_446":533,"_433":434,"_113":534,"_437":199,"_438":199,"_470":469,"_448":199,"_449":535,"_431":537,"_471":527,"_436":120,"_485":538,"_476":539,"_487":534,"_488":453,"_490":529,"_492":493,"_494":540},["D",1774058400000],"Commercial Credit Underwriter II

The Commercial Credit Underwriter II is a critical member of the C3- New Loan Originations (ICRE) team, responsible for providing credit analysis and underwriting of new money request to new and existing Commercial Real Estate customers.\nThe Commercial Credit Underwriter II analyzes, underwrites and may act as the final decision authority on commercial loan applications while following sound lending practices, policies and procedures. The Commercial Credit Underwriter II ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements. Responsible for basic financial analysis of less complex loans/industries/customers.\nDepth & Scope:\nMay possess loan decision authority up to position authority limits as defined in credit policy\nMay possess exception and high-risk authority\nActs as a mentor and participates in the on-going development of the Underwriting Staff\nConducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits\nUnderwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices\nMay perform in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ loan scoring output data\nMay investigate available sources of credit and financial information\nResearch economic and market conditions relating to the company, industry and market area\nNotes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk\nIdentifies credit applications that require credit enhancements and decision respective applications accordingly\nMay render final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / loan scoring output data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt\nWhen applicable, considers and discusses alternative structures and overall assessments with market, sales personnel and Customers\nSets conditions of lending and involvement with shared services functions as needed to expediate loan closings. Meets turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced\nMaintains a satisfactory level of portfolio delinquencies and charge-offs\nEnsures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements\nEducation & Experience:\nUndergraduate degree preferred\n4+ years of relevant commercial lending experience\nPrior lending authority preferred\nProven analytical and research skills\nStrong understanding of credit underwriting and industry practicesPrevious experience with business and personal financial statement analysis\nDemonstrated problem solving skills and the ability to blend technical knowledge and good business judgment\nStrong communication skills, both verbal and written\nProven organizational, multi-tasking, analytical, time management and decision-making skills,\nAbility to meet deadlines\nStrong interpersonal skills and a team orientation\nAbility to work with various levels of business partners\nDeveloped PC skills including proficiency and capability in word processing and spreadsheet software\nComputer literacy with a variety of software programs\nSmall Business Administration/Agency experience preferred\nPhysical Requirements:\nDomestic Travel Occasional\nInternational Travel Never\nPerforming sedentary work Continuous\nPerforming multiple tasks Continuous\nOperating standard office equipment - Continuous\nResponding quickly to sounds Occasional\nSitting Continuous\nStanding Occasional\nWalking Occasional\nMoving safely in confined spaces Occasional\nLifting/Carrying (under 25 lbs.) Occasional\nLifting/Carrying (over 25 lbs.) Never\nSquatting Occasional\nBending Occasional\nKneeling Never\nCrawling Never\nClimbing Never\nReaching overhead Never\nReaching forward Occasional\nPushing Never\nPulling Never\nTwisting Never\nConcentrating for long periods of time Continuous\nApplying common sense to deal with problems involving standardized situations Continuous\nReading, writing and comprehending instructions Continuous\nAdding, subtracting, multiplying and dividing Continuous\nThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.\nTD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.\nOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.\nWe're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.\nTraining & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.\nAccommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.\n","Commercial Credit Underwriter II

The Commercial Credit Underwriter II is a critical member of the C3- New Loan Originations (ICRE) team, r...","Commercial Credit Underwriter II - New Money CRE",[536],{"_458":459,"_454":455,"_452":453,"_456":457},["B","2954530745"],"1 days ago","/jobs/2954530745-commercial-credit-underwriter-ii-new-money-cre","/jobs?keyword=Commercial+Credit+Underwriter+II+-+New+Money+CRE",{"_435":434,"_439":542,"_468":469,"_460":543,"_248":544,"_446":545,"_433":434,"_113":546,"_437":199,"_438":199,"_470":469,"_448":199,"_449":547,"_431":553,"_471":554,"_436":132,"_485":555,"_476":556,"_487":546,"_488":557,"_490":558,"_492":559,"_494":560},["D",1774105200000],"Tri Counties Bank","Commercial Underwriter I, II or III

Come to work for a company you can be proud to work for.\nThe hiring range for this opportunity is $72,000 to $120,000 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.\nPOSITION SUMMARY\nThe Commercial Underwriter underwrites commercial business, real estate, agriculture, and SBA 504 loan requests. The underwriter analyzes financial information, recommends loan actions, and approves loan requests within his or her authority as assigned. Analyzes commercial loan applications and renewals and determines credit worthiness and appropriate grading for consideration of the loan request. Assists the sales staff to maximize the cross sales effort as the loan request is being processed. Prepares loan for legal documentation and monitors the closing process. Follows for timely renewals, reporting requirements, compliance and delinquencies.\nMAJOR RESPONSIBILITIES\nAnalyzes commercial loan applications received by Relationship Managers to determine eligibility of request. Provides prompt turnaround time upon request. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing and periodically attends client meetings to provide credit expertise. Approves or declines commercial loan requests within assigned limits. Recommends credit approval requirements including the establishment of financial performance covenants, monitoring requirements, and other loan provisions and ensures accurate grading of new and existing credits based on analysis.\nCoordinates the credit approval process, evaluates repayment, and mitigates risk.\nAnalyzes key factors such as industry, management, and economic trends.\nProvides assistance and exceptional sales support to all sales staff in answering questions relating to commercial loans.\nAssures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products.\nOrders business credit reports and personal credit reports on business principals.\nCoordinates compliance, decline letter preparation and maintenance of adverse action database.\nMaintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity.\nMonitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans.\nAssists Relationship Managers as needed in the preparation of Interim Credit Reports and Real Estate Update Memos.\nOTHER RESPONSIBILITIES\nMaintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending.\nMaintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.\nInputs application and financial information.\nPerforms Commercial Credit Officer duties in their absence as needed.\nPerforms other work-related duties as assigned.\nOrders the preparation of loan documentation and reviews for completion.\nMay be asked to provide formal or informal training and support to various colleagues within the bank and across multiple job functions with regard to credit fundamentals, policy, and underwriting techniques and guidelines.\nAssists Commercial Loan Supervisor in the development and completion of special projects, spreadsheets, graphs, and reports as assigned.\nEDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED\nHigh school diploma or GED required.\nUndergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred.\nThree years' experience in a small business/commercial lending environment.\nEstablished knowledge of financial accounting theory and logic, loan structuring, commercial products and services.\nA proven ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives.\nExcellent organizational skills with efficient work demeanor that allows involvement in multiple areas.\nAbility to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel.\nAbility to complete a high volume of work efficiently and with accuracy.\nExcellent verbal and written communication skills.\nLEVEL DISTINCTION\nCommercial Underwriter II Above plus the following: Five years of proven experience in a small business/commercial lending environment. Must have substantial experience in small business/commercial lending and credit analysis. Must have a thorough understanding of commercial financial statements and an ability to communicate with commercial business owners. Must be able to analyze financial information, prepare cash flow and ratio analysis. Must have experience in loan recommendations and provide a concise loan write up. Experience in statistical portfolio management. Ability to supervise in manager's absence. Possess leadership abilities in a team environment and provide project leadership. Serves as a product specialist and a technical consultant to branches and sales staff and provides assistance and exceptional sales support in answering questions relating to small business/commercial loans. Provides guidance to the Commercial Underwriter I when appropriate and recommends appropriate loan structure when presented with loans for approval. Assists the Commercial Loan Supervisor in identifying training needs for staff within the department.\nCommercial Underwriter III Above plus following: Demonstrated ability to interpret and underwrite the most complex commercial credits in the Bank with minimal guidance or oversight, seven years of experience. Subject matter expert across a broad range of credit topics including financial statements and cash flow analysis, the regional commercial real estate market, and working capital finance. Track record of appropriately utilizing credit approval authority to make sound credit recommendations on complex commercial credits in line with the Bank's credit culture, policies and procedures. Will serve as team leader for respective regional commercial underwriting group and in various departmental and bank wide projects. Must have ability to train and mentor junior credit personnel. Expert user of Bank systems, software, and third-party vendor platforms. Ability to perform primary relationship management or credit administrator functions in place of Relationship Managers and Commercial Loan Supervisors.\nCompany Profile\nEstablished in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability.\nTri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.\nAs California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members.\nTri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.\n","Commercial Underwriter I, II or III

Come to work for a company you can be proud to work for.\nThe hiring range for this opportunity is $72,...","Commercial Underwriter I, II or III",[548],{"_458":459,"_454":549,"_452":550,"_456":551,"_484":552},"Chico","Chico, CA, United States, 95976","CA","95976",["B","2961924277"],"Work at Tri Counties Bank","13 hours ago","/jobs/2961924277-commercial-underwriter-i-ii-or-iii","Chico, CA, United States","/jobs?keyword=Tri+Counties+Bank","/jobs?location=Chico%2C+CA%2C+United+States","/jobs?keyword=Commercial+Underwriter+I%2C+II+or+III",{"_435":434,"_439":562,"_468":469,"_460":563,"_248":564,"_446":565,"_433":434,"_113":566,"_437":199,"_438":199,"_470":469,"_448":199,"_449":567,"_431":573,"_471":574,"_436":132,"_485":575,"_476":576,"_487":566,"_488":577,"_490":578,"_492":579,"_494":580},["D",1773255600000],"Coastal Community FCU","Description\nThe Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal policies, regulatory requirements, and sound lending practices. This position analyzes financial information, assesses risk, and ensures loans are structured to protect the financial institution while serving member needs.

Requirements\nEssential Duties and Responsibilities

Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications

Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and collateral documentation.

Assess borrower capacity, credit history, collateral adequacy, and overall risk profile.

Ensure compliance with federal and state lending regulations (e.g Fair Lending, TRID, HMDA, ECOA, Reg B).

Make approval, denial, or counteroffer decisions within assigned lending authority.

Provide detailed loan stipulations and communicate conditions to lending staff.

Work closely with loan officers, processors, and branch staff to gather additional documentation.

Maintain documentation and decision rationale in loan file.

Monitor and manage pipeline to ensure timely decisions and service level standards.

Identify potential fraud or misrepresentation concerns.

Assist with audits and regulatory examinations as required.

Recommend policy improvements based on underwriting trends and risk patterns.

Qualifications\nEducation and Experience

Bachelor’s degree in finance, Business, Accounting or related field preferred.

3-5 years of underwriting experience (consumer, mortgage, and/or commercial).

Experienced in a bank or credit union environment preferred.

Knowledge and Skills

Strong understanding of credit analysis and risk assessment

Knowledge of lending regulations and compliance requirements.

Ability to analyze financial statements and tax returns.

Excellent analytical and decision-making skills.

Strong written and verbal communication skills.

Detail-oriented with strong organizational abilities.

Proficiency in loan origination systems and Microsoft Office.

Competencies

Sound judgment

Risk assessment and mitigation

Regulatory compliance awareness

Time Management

Collaboration and communication

Confidentiality and discretion

Physical Requirements

Prolonged periods of sitting at a desk and working on a computer.

Occasional lifting of files up to 20lbs

Work Environment

Office environment within a financial institution

Standard business hours with occasional extended hours based on loan volume.

#J-18808-Ljbffr\n","Description\nThe Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal poli...","Loan Underwriter",[568],{"_458":459,"_454":569,"_452":570,"_456":571,"_484":572},"Galveston","Galveston, TX, United States, 77554","TX","77554",["B","2851663469"],"Work at Coastal Community FCU","10 days ago","/jobs/2851663469-loan-underwriter","Galveston, TX, United States","/jobs?keyword=Coastal+Community+FCU","/jobs?location=Galveston%2C+TX%2C+United+States","/jobs?keyword=Loan+Underwriter",{"_435":434,"_439":582,"_468":469,"_460":583,"_248":584,"_446":585,"_433":434,"_113":586,"_437":199,"_438":199,"_470":469,"_448":199,"_449":587,"_431":592,"_471":593,"_436":120,"_485":538,"_476":594,"_487":586,"_488":595,"_490":596,"_492":597,"_494":598},["D",1774015200000],"State Bank of India (California)","Job Summary\nResponsible for consistently underwriting safe and sound commercial loans that are in compliance with the Bank’s underwriting standards and all applicable state and federal laws, rules and regulations. Evaluates complex credit information for new and existing clients and underwrites commercial, SBA, real estate, term loans, and lines of credit loans. Remains abreast of industry developments, applies knowledge to the decision-making process and makes sound credit recommendations. Provides the Bank with accurate, clear, and concise written Credit Memos.

Essential Functions

Under general supervision, consistently underwrites safe and sound commercial loans in an expedient manner that are in compliance with the Bank’s underwriting standards and all applicable state and federal laws, rules and regulations.

Under general supervision, analyzes financial data related to new and renewal loan requests, including, but not limited to, lines of credit, asset‑based lines, commercial real estate, and equipment financing loans.

Carefully assesses and evaluates the risk of financing requests within the framework of the Bank’s credit culture and current economic and industry trends, and presents facts and offers opinions/recommendations to loans officers and relationship personnel concerning applicant’s credit worthiness.

Establishes and maintains a close working relationship with loan and relationship officers, participates in customer calls, assists loan and relationship officers in managing customer relationships by providing advanced credit analysis and support, thereby ensuring the needs of a borrower are met by underwriting the appropriate type of loan(s) and ancillary product(s), and works with loan and relationship officers to create solutions for problems that arise during the underwriting process.

Reviews self‑employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income, and follows up with customers to obtain all necessary information and clarification on financial analysis materials and resources.

Orders and reviews credit and insurance reports, flood zone determinations and UCC filings, performs title searches and reviews site inspections, and ensures the Bank’s collateral position can be appropriately achieved and protected.

Utilizes independent judgement to review and correct potential problems during the commercial loan approval process, such as issues related to credit history, nonconforming appraisals, policy exceptions, etc.

Prepares summary and/or credit approval report documenting credit analysis and supporting information for credit decision recommendations.

May work with attorneys and other financial or legal resources to obtain correct and accurate documents to fully protect the Bank’s interests in the credit relationship.

Assists loan and relationship officers in reviewing loan documents for accuracy, completeness and adherence to approval conditions, and ensures loan agreements are in compliance with the Bank’s underwriting standards and all applicable state and federal laws, rules and regulations.

Assists loan and relationship officers in providing verbal and written letters of commitment for each loan decision detailing required documentation, loan interest rate, as well as the fees and amount approved, provides related correspondence to loan officers, borrowers, and others.

May directly manage a portfolio of credit relationships as assigned by Credit Administration.

Assists with monitoring of assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration as applicable. Prepares, assembles, and maintains credit files / tickler system, and Problem Loan Reports.

Responsible for timely submission of Borrowing Base requests and related documents as assigned. Including timely review, evaluation, and analysis of collateral and preparation of detailed reports for accounts, as well as portfolio assessments.

Develops and maintains an advanced knowledge of financial industry, economy, market conditions, rates, vendors and competition, remains informed of trends and developments in local market and changes to regulations governing commercial loans, and assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting. Reads periodicals and attends external webinars/workshops as needed.

Responds to verbal and written inquiries, or refers inquiries to the appropriate department or person, and exhibits the necessary follow‑through with customers and/or staff involved.

Assumes responsibility for special projects, gathers data, and prepares reports for Credit Administration, audits, and other personnel.

Adheres to Bank policies and procedures and complies with all United States Federal and State Regulations including the Bank Secrecy Act, Anti‑Money Laundering Act, USA PATRIOT Act, and OFAC laws and their implementing regulations.

Performs duties to ensure proper identification and information gathering of all parties subject to SBIC’s Customer Information Program (CIP) and Customer Due Diligence Programs. Reports any Suspicious Activity to the BSA Officer or designee if found.

Supports the Bank’s compliance efforts by completing compliance and other technical training workshops as assigned.

Reinforces the application of superior customer service through his or her own example along with appropriate follow‑through with involved customers and employees.

Treats people with respect, keeps commitments, inspires the trust of others, works ethically and with integrity, upholds organizational values, and accepts responsibility for own actions.

Completes administrative tasks correctly and on time, supports the Bank’s goals and values, and benefits the Bank through outside activities.

Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy, shows respect and sensitivity for cultural differences, educates others on the value of diversity, promotes working environment free of harassment of any type, and builds a diverse workforce and supports affirmative action.

Requirements

Bachelor’s degree (B.A./B.S.) or equivalent from four‑year college in Business Administration or related field.

Minimum 2 years of commercial loan underwriting experience and/or training; or equivalent combination of education and experience.

Skills and Knowledge

Extensive knowledge of lending and cash flow analysis.

Working knowledge of bank products and services; credit analysis; loan structuring and documentation; credit policies and practices; credit regulations and requirements; and bank operations.

Knowledge of Bank regulations, lending policies, procedures and techniques with an understanding of loan risk factors.

Strong analytical and negotiating skills.

Ability to conduct research into borrowers and industries to identify factors that may affect profitability and the borrower’s ability to repay loans.

Ability to set and obtain goals.

Excellent interpersonal skills and ability to develop and maintain effective working relationships. Excellent verbal and written communication skills with ability to write accurate and concise reports.

Qualifications\nTo perform this job successfully, an individual must be able to meet minimum qualifications. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

#J-18808-Ljbffr\n","Job Summary\nResponsible for consistently underwriting safe and sound commercial loans that are in compliance with the Bank’s underwriting standards...","Commercial Loan Underwriter",[588],{"_458":459,"_454":589,"_452":590,"_456":551,"_484":591},"Los Angeles","Los Angeles, CA, United States, 90079","90079",["B","2947198077"],"Work at State Bank of India (California)","/jobs/2947198077-commercial-loan-underwriter","Los Angeles, CA, United States","/jobs?keyword=State+Bank+of+India+%28California%29","/jobs?location=Los+Angeles%2C+CA%2C+United+States","/jobs?keyword=Commercial+Loan+Underwriter","actionData","errors"]