Job Title: Commercial Loan Underwriter
Posted by: Central Valley Community Bank on Nov 10, 2022
Location:
Clovis , CAJob Description:
Job Summary and Scope of Responsibility: Evaluate large commercial credit requests. Prepare and recommend credit authorizations.
Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below.
Assist account officers with collecting/reviewing borrower’s financial information, credit reports and collateral verification information (e.g. UCC filings, appraisals, etc.), in order to underwrite basic conventional commercial and industrial loans and commercial real estate loans. Ensure that all required documentation is present, complete and appropriate to the credit request.
Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines for adequate repayment capacity.
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.
Assist account officers with preparing Credit Authorization Memorandum (CAM) and recommend credit approval. Includes financial review report and opinion of credit risk.
Present credit requests and respond to credit administration questions.
Prepare problem loan reports, EAD and/or DCF analysis, as appropriate, and TDR assessments.
Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below.
Assist account officers with collecting/reviewing borrower’s financial information, credit reports and collateral verification information (e.g. UCC filings, appraisals, etc.), in order to underwrite basic conventional commercial and industrial loans and commercial real estate loans. Ensure that all required documentation is present, complete and appropriate to the credit request.
Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines for adequate repayment capacity.
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.
Assist account officers with preparing Credit Authorization Memorandum (CAM) and recommend credit approval. Includes financial review report and opinion of credit risk.
Present credit requests and respond to credit administration questions.
Prepare problem loan reports, EAD and/or DCF analysis, as appropriate, and TDR assessments.
Education Level:
Bachelors degree or higher
Pay Rate:
Commensurate with experience
HR. Website URL:
https://www.cvcb.com/about-us/careers
Security Clearance:
None
Travel Requirements:
None
Sign Up to Apply to this position
(if you already have a CGO account, just press the button below)
About Central Valley Community Bank
Central Valley Community Bank distinguishes itself from other financial institutions through its nearly four-decade track record of strength, security, client advocacy and the values that have guided the Bank since its opening. The Bank’s unique brand of personalized service has strategically grown throughout California’s San Joaquin Valley and Greater Sacramento Region. The Bank continues to focus on personalized service, customer referrals and employee satisfaction. Central Valley Community Bank’s strong foundation, concern for its team and training opportunities at all levels has afforded the ongoing addition and retention of high-quality employees.
Please visit this employer's Public Profile to see more jobs offered by Central Valley Community Bank