Senior Commercial Loan Underwriter II - San Luis Obispo (Hybrid)
$80,000–$140,000 year
HybridSan Luis Obispo, California, United States
Job Summary
Analyze commercial loan applications for agricultural, business, and real estate requests by evaluating creditworthiness, reviewing financial statements, and generating cash flow projections. Conduct credit investigations to determine repayment sources and stress-test risks while preparing written analyses for credit authorization. Confers with loan officers to discuss client needs, requests additional information, and recommends credit approval requirements including financial covenants and loan provisions. Monitor existing borrowers through annual term loan reviews, collateral evaluation, and compliance reporting to ensure adherence to underwriting guidelines and regulatory requirements.
Required Qualifications
- Established knowledge of financial accounting theory and logic, loan structuring, commercial products, and services
- Ability to read, analyze, and interpret financial reports and legal documents
- Advanced analytical and problem-solving skills
- Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
- A proven ability to interpret and discuss analytical data to make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives
- Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations
- Excellent organizational skills with an efficient work demeanor that allows involvement in multiple areas
- Ability to utilize personal computers, and Windows-driven programs with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel
- Ability to complete a high volume of work efficiently and with accuracy
- Excellent written and verbal communication skills with a specific ability to translate complex financial information into an organized and presentable manner
- Ability to complete multiple, diverse tasks of differing priorities without close supervision
- Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time
- Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships
- Undergraduate degree in Ag Business or similar, Finance, Business Administration, or Accounting
- five years of related work experience and/or training
- equivalent combination of education and experience
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