Senior Middle Market Underwriter
$81,000–$140,000 year
On-siteSanta Barbara, California, United States or San Luis Obispo, California, United States
Job Summary
Underwrite new and renewal Middle Market credit requests for working capital, asset-based, commercial real estate, and equipment financing lines, analyzing business, industry, and financial data to identify risks and derive credit recommendations. Prepare timely narratives documenting quantitative components, applying risk rating scoring models, and mitigating exceptions to tracked policies and compliance regulations. Monitor borrower financial performance, ensure accurate financial statement spreading, and collaborate with Client Solutions Managers to obtain approvals and resolve covenant violations. Review credit reports prepared by other underwriters using standardized Quality Control checklists and provide guidance and training to the team. Maintain working knowledge of Bank regulations including Bank Secrecy Act and Regulation CC, and complete required annual training.
Required Qualifications
- Bachelor's Degree in Business, Finance, Accounting, or equivalent work experience
- 7-10 years of commercial underwriting/credit analysis experience or relevant lending experience
- Advanced analytical and problem-solving skills
- Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
- Ability to train and present to small and large audiences or has the interest in learning to train and present
- 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
- Possess excellent written, verbal, interpersonal and presentation skills
- Advanced knowledge of credit policies, procedures, practices and documentation
- Ability to work fully onsite at posted location(s)
Desired Qualifications
- Interest in learning to train and present
- Interest in learning to train and present
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