Senior C&I Underwriter, AVP -- Oakland

The AVP, Senior C&I Underwriter is responsible for the underwriting and coordination in closing of commercial and industrial loans, including owner occupied commercial real estate, in compliance to the company’s lending policies and procedures. Credit exposures can range in complexity and loan sizes, with this position capable to effectively execute large and complex relationships. S/he is also responsible for spreading, managing, and maintaining financial background on present and prospective customers which includes performing special financial statement analysis involving complex and interlocking relationships.

Essential Duties:

  • Underwrites and coordinates in closing ranges of C&I loan structures and complexities
  • Spreads, manages, and maintains the financial backgrounds of present and prospective customers
  • Performs special financial statements analysis involving complex and interlocking relationship
  • Assists lending officers on credit and loan matters involving unusual situations
  • May assist in the preparation of any reports required from Credit Administration
  • May train selected personnel or new hires in credit operation and/or financial statement analysis
  • Provides support in quality control and consistency in underwriting of new and existing business by being the subject matter expert on forms, process, and execution database and underwriting process
  • Partners with RM in customer calls for generating new businesses and expansion of existing core clientele as needed
  • Provides financial decision for RMs and participant in building client relationship
  • Responsible for underwriting complex transaction and preparing term sheets
  • Performs portfolio management functions for timely loan renewals, as requested
  • Act as liaison between C&I team and Credit Administration
  • Contributes to ensure underwriting process operate efficiently and generates more closing and income to the company
  • Works closely with lending officer in all aspects of the loan request, structuring, and appraisal reviews
  • Mentors junior underwriters and analysts
  • Monitors borrower financial performance and covenants
  • Identifies risk factors and determine appropriates risk rating
  • Assists/prepares written credit memoranda and ancillary forms for complex credit facilities
  • Foster open dialogue and strong relationship with Credit Administration, Loan Operations, and other groups involvedin the supporting line of business
  • Ensures compliance with all state and federal regulations and internal company policies, including but not limited to BSA / Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination, to the extent each applies to current job responsibilities
  • Completes all online compliance training as assigned within specified due dates

Minimum Requirements:

  • Bachelor degree in finance or an equivalent field of education and/or work experience combined
  • 5+ years of C&I underwriting and analysis experience; preferably in a financial institution and banking environment
  • Knowledge and experienced underwriting SBA and CRE loans preferred
  • Demonstrated expertise in core business of C&I and Commercial Banking
  • Familiar with or experienced using Moody’s Analytics and CreditQuest
  • Proven depth knowledge and experience in appraisal methodology and financial statement analysis
  • Computer literacy in Microsoft application: Word, Excel, and Outlook
  • Effective oral, written, and interpersonal communication skills
  • Demonstrated strong analytical and project management skills for various tasks and projects involving multiple facets and variables
  • Excellent organizational and time management skills
  • Worked with minimal to no supervision in performing duties
  • Market knowledge of C&I dynamics