Commercial Credit Underwriter - CRE and Small Business
$83,200–$110,240 year
On-siteSanta Ana, California, United States
Job Summary
Analyze and underwrite a wide variety of commercial credit transactions, including commercial real estate, lines of credit, asset-based lending, and equipment financing, with a high degree of independence. Review rent rolls, operating statements, appraisals, environmental reports, and market data to assess borrower structures. Analyze global cash flow across borrowers, guarantors, and affiliated entities, then structure loan terms and conditions to mitigate risk. Assign and recommend commercial credit risk ratings, presenting recommendations to senior management and loan approval authorities. Evaluate covenant compliance and ongoing portfolio performance while identifying emerging risks and recommending action plans. Analyze commercial loan participations and syndicated credit opportunities.
Required Qualifications
- 3+ years of commercial underwriting experience, including commercial real estate
- Strong foundation in financial and tax analysis
- Confident navigating complex credit structures and regulatory requirements (FNMA, FHLMC, etc.)
- Communicate clearly and confidently—both written and verbal
- Take ownership, follow through, and approach your work with care and integrity
- Pre-employment screenings, including background and credit checks
Desired Qualifications
- Experienced with credit analysis tools (Sageworks/Abrigo is a plus)
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