Candidate Profile #164195
November 22nd, 2024California – Sacramento Area – Commercial Loan Underwriter
- Years of Related Experience: six
- Minimum Salary: $95K
- Work Area: Sacramento, California
- Experience:
- Expertise in credit analysis and underwriting for C&I and CRE loans.
- Average commercial loan deal size underwritten ($750K-$1.5MM) and up to $4MM.
- Managed a diverse commercial loan portfolio which included performing annual reviews, file maintenance, and renewal processes for maturing loans.
- Evaluated commercial loan applications, assessed eligibility and creditworthiness, and collaborated closely with loan officers to identify client needs and explore suitable options.
- Conducted comprehensive cash flow analyses for loan requests up to $6MM.
- Utilized customer financial statements, tax returns, and credit reports, resulting in reduced credit risk exposure.
- Recommended credit approval requirements, including the establishment of financial performance covenants, monitoring requirements, and other loan provisions to ensure accurate grading of new and existing credit relationships.
- Ensured strict adherence to company policies, security protocols, and government regulations, resulting in satisfactory compliance ratings during bank audits.
- Coordinate third-party reports and engage with borrowers to support informed lending decisions.
- Committee Member.
- Proficient in QuickBooks, Salesforce, and nCino platforms and experience with Moody’s Analytics and Loan Vantage systems.
- Certificate in Business and Commercial lending.
- Education: Bachelor’s Degree in Accounting.
- Reference #: 164195
- Send Candidate’s Resume: Click Here