CRE Underwriter
Mountain America Credit Union, Sandy, UT, United States
# **Please reference the schedule and minimum qualifications listed below before applying.**If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.# **Job Summary**Underwrites and provides recommendations on standard to highly complex commercial loan requests according to MACU standards, participates in team administration functions and participates in all aspects of the CRE lending cycle. Collaborates with commercial loan officers to accurately present findings in credit analysis, including business rationale and risk mitigations, in order to obtain credit approval and meet member needs.# **Job Description****LOCATION**Mountain America Center - In Office:9800 S Monroe St
Sandy, UT 84070**SCHEDULE**Full TimeTo be effective, an individual must be able to perform each job duty successfully.* Underwrites highly complex commercial loans including construction loans, lines of credit, equipment financing and loans with global cash flow considerations; prepares credit presentations, documenting credit analyses and recommendation for credit decision to approving authority.* Prepares timely, concise and accurate credit recommendations with limited supervision or revision. Includes: (1) quantitative components within the underwriting narrative ; (2) accurate use of risk rating scoring matrix, both quantitative and qualitative rating elements, to ensure loans are properly risk-rated; and (3) accurate identification and mitigation of all policy exceptions, procedures and compliance regulations.* Has an expert understanding of the commercial underwriting processes aligning specifically with MACU policy and standards.* Understands and demonstrates a high level of written communication relating to credit presentations, addendums, memorandums and all forms of written communication.* Analyzes repayment ability including business and personal cash flow.* Performs financial ratio analysis comparative to industry standards.* Performs financial stress testing analysis.* Reviews and interprets personal and business credit reports.* Reviews professional commercial real estate appraisals and associated third party reviews.* Reviews professional environmental reports and assesses environmental risk.* Performs internal real estate valuations.* Attends loan committee.* May be asked to coach, mentor, or train others and teach coursework as subject matter expert.* Ensures regular communication through the origination process with loan officers, loan closers, management and members.* Is able to manage in excess of five loan files at a given time.* Works together with team members to accomplish monthly, quarterly and annual goals.* Provides excellent customer service over the phone, email and in person.* Maintains working knowledge of MACU policies and procedures regarding the Bank Secrecy Act and other regulations that apply to the position.* Takes personal initiative and is a positive example for others to emulate.* Performs other duties as assigned.**KNOWLEDGE, SKILLS, and ABILITIES**The requirements listed are representative of the knowledge, skills, and/or abilities required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.**Experience**Five or more years of commercial underwriting experience or an equal level of demonstrated ability (five years of lending experience preferred).**Education**Bachelor’s degree from an accredited institution in business, finance, economics or related field. Education will be verified. Five years in a progressive financial setting may be substituted for a relevant degree.**Licenses, Certifications, Registrations**N/A**Managerial Responsibility**Has no supervisory/managerial responsibilities.**Computer/Office Equipment Skills*** Advanced skills with Microsoft Office Suite including Outlook, Word, and Excel.* Experience with analytical and reporting software preferred.**Language Skills*** Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations.* Demonstrated ability to present information in a manner appropriate for key stakeholders and all levels of the organization.* Strong writing and grammatical skills relating to preparing credit memos, addendums, memorandums, and all forms of written communication.**Other Skills and Abilities*** Unquestioned personal and professional integrity.* Ability to work both autonomously and collaboratively in a fast-paced environment.* Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.* Adaptive to change, responds positively to altered circumstances or conditions.* Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.* Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.* Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.).**PHYSICAL ABILITIES / WORKING CONDITIONS****Physical Demands**Ability to sit, talk and hear consistentlyAbility to stand, walk, and use hands to handle or reach occasionally**Vision Requirements**Close vision (clear vision at 20 inches or less)Distance vision (clear vision at 20 feet or more)**Weight Lifted or Force Exerted**Ability to lift up to 10 pounds occasionally**Environmental**There are no unusual environmental factors (such as a typical office)**Noise Environment**Moderate noise (business office with computers and printers, light traffic)#LI-FW1Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.Follow @MountainAmericaLife on
and
to see why our team members love working at Mountain America!Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success. We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America.Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network. When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions. #J-18808-Ljbffr
Sandy, UT 84070**SCHEDULE**Full TimeTo be effective, an individual must be able to perform each job duty successfully.* Underwrites highly complex commercial loans including construction loans, lines of credit, equipment financing and loans with global cash flow considerations; prepares credit presentations, documenting credit analyses and recommendation for credit decision to approving authority.* Prepares timely, concise and accurate credit recommendations with limited supervision or revision. Includes: (1) quantitative components within the underwriting narrative ; (2) accurate use of risk rating scoring matrix, both quantitative and qualitative rating elements, to ensure loans are properly risk-rated; and (3) accurate identification and mitigation of all policy exceptions, procedures and compliance regulations.* Has an expert understanding of the commercial underwriting processes aligning specifically with MACU policy and standards.* Understands and demonstrates a high level of written communication relating to credit presentations, addendums, memorandums and all forms of written communication.* Analyzes repayment ability including business and personal cash flow.* Performs financial ratio analysis comparative to industry standards.* Performs financial stress testing analysis.* Reviews and interprets personal and business credit reports.* Reviews professional commercial real estate appraisals and associated third party reviews.* Reviews professional environmental reports and assesses environmental risk.* Performs internal real estate valuations.* Attends loan committee.* May be asked to coach, mentor, or train others and teach coursework as subject matter expert.* Ensures regular communication through the origination process with loan officers, loan closers, management and members.* Is able to manage in excess of five loan files at a given time.* Works together with team members to accomplish monthly, quarterly and annual goals.* Provides excellent customer service over the phone, email and in person.* Maintains working knowledge of MACU policies and procedures regarding the Bank Secrecy Act and other regulations that apply to the position.* Takes personal initiative and is a positive example for others to emulate.* Performs other duties as assigned.**KNOWLEDGE, SKILLS, and ABILITIES**The requirements listed are representative of the knowledge, skills, and/or abilities required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.**Experience**Five or more years of commercial underwriting experience or an equal level of demonstrated ability (five years of lending experience preferred).**Education**Bachelor’s degree from an accredited institution in business, finance, economics or related field. Education will be verified. Five years in a progressive financial setting may be substituted for a relevant degree.**Licenses, Certifications, Registrations**N/A**Managerial Responsibility**Has no supervisory/managerial responsibilities.**Computer/Office Equipment Skills*** Advanced skills with Microsoft Office Suite including Outlook, Word, and Excel.* Experience with analytical and reporting software preferred.**Language Skills*** Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations.* Demonstrated ability to present information in a manner appropriate for key stakeholders and all levels of the organization.* Strong writing and grammatical skills relating to preparing credit memos, addendums, memorandums, and all forms of written communication.**Other Skills and Abilities*** Unquestioned personal and professional integrity.* Ability to work both autonomously and collaboratively in a fast-paced environment.* Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.* Adaptive to change, responds positively to altered circumstances or conditions.* Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.* Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.* Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.).**PHYSICAL ABILITIES / WORKING CONDITIONS****Physical Demands**Ability to sit, talk and hear consistentlyAbility to stand, walk, and use hands to handle or reach occasionally**Vision Requirements**Close vision (clear vision at 20 inches or less)Distance vision (clear vision at 20 feet or more)**Weight Lifted or Force Exerted**Ability to lift up to 10 pounds occasionally**Environmental**There are no unusual environmental factors (such as a typical office)**Noise Environment**Moderate noise (business office with computers and printers, light traffic)#LI-FW1Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.Follow @MountainAmericaLife on
and
to see why our team members love working at Mountain America!Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success. We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America.Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network. When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions. #J-18808-Ljbffr