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Commercial Credit Underwriter II

San Francisco, California

Job Description:

Responsibilities:

The Underwriter (UW) is responsible for underwriting and structuring of

straightforward and complex credit transactions with minimal oversight

from the Credit Officer (CO) or Commercial Credit Manager (CCM) and

also approves credit transactions with some coaching from the CO/CCM

based on approval grid. The UW leads the credit approval process with

assistance from the CCM as needed for clients without CO coverage and

is an active participant with the CO in credit approval process for

complex clients/transactions. UWs may call on credit clients and

prospects in partnership or independently with the Relationship Manager

(RM) and/or CO as appropriate. Provides ongoing management and

primary accountability for all monitoring and maintenance activities on an

assigned portfolio or market, including a higher composition of complex

client relationships.  UWs have accountability for delivering accurate and

consistent data. They monitor clients operating performance and financial

condition to proactively identify risks, issues and opportunities. They

deliver financial, industry, economic and other analysis to facilitate

decision making, while also ensuring adherence to credit policies,

guidelines, and applicable regulatory requirements. The UW's provide

ongoing coaching and support to other Credit Products team members, as

applicable. They report to the Commercial Credit Manager (CCM) and

partner closely with COs. Will consider candidates at the UW Level I as well as Level II depending on experience.

*Required Skills:  “Must” have these skills to be minimally qualified. General qualifications include: 

  • BA/BS degree
  • 2+ years of solid experience in financial analysis, structuring, underwriting and portfolio management.
  •   Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Skills:

  • Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.
  • Be knowledgeable of the closing process & timeline for all types of loans

Job Band:

H4

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Monday - Friday 8:00 AM - 5:00 PM

Referral Bonus Amount:

0

Job Description:

Responsibilities:

The Underwriter (UW) is responsible for underwriting and structuring of

straightforward and complex credit transactions with minimal oversight

from the Credit Officer (CO) or Commercial Credit Manager (CCM) and

also approves credit transactions with some coaching from the CO/CCM

based on approval grid. The UW leads the credit approval process with

assistance from the CCM as needed for clients without CO coverage and

is an active participant with the CO in credit approval process for

complex clients/transactions. UWs may call on credit clients and

prospects in partnership or independently with the Relationship Manager

(RM) and/or CO as appropriate. Provides ongoing management and

primary accountability for all monitoring and maintenance activities on an

assigned portfolio or market, including a higher composition of complex

client relationships.  UWs have accountability for delivering accurate and

consistent data. They monitor clients operating performance and financial

condition to proactively identify risks, issues and opportunities. They

deliver financial, industry, economic and other analysis to facilitate

decision making, while also ensuring adherence to credit policies,

guidelines, and applicable regulatory requirements. The UW's provide

ongoing coaching and support to other Credit Products team members, as

applicable. They report to the Commercial Credit Manager (CCM) and

partner closely with COs. Will consider candidates at the UW Level I as well as Level II depending on experience.

*Required Skills:  “Must” have these skills to be minimally qualified. General qualifications include: 

  • BA/BS degree
  • 2+ years of solid experience in financial analysis, structuring, underwriting and portfolio management.
  •   Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Skills:

  • Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.
  • Be knowledgeable of the closing process & timeline for all types of loans

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21067685

Band: H4

Manages People: No

Travel: Yes, 10% of the time

Manager:

Talent Acquisition Contact:

Adriana Shore

Referral Bonus:

0

Street Address

Primary Location:
555 California St, CA, San Francisco, 94104