Candidate Profile #164195

California – 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