Medical Underwriter Senior

2 weeks ago

Redwood City CA, United States Monterra Credit Union Full time

Do you have a minimum of five years of experience as a Credit Analyst, preferably in a senior or leadership role?
Do you have a solid understanding of financial principles, credit regulations, and risk assessment methodologies?
If so, we’d love to talk with you about Monterra Credit Union’s Senior Commercial/SBA Lending Underwriter Position

Located in the heart of the Bay Area, Monterra Credit Union is a community-centric and growth-oriented financial institution. We invest in the success of people and our community by giving back, making things easier, and committing ourselves to our members’ potential. Diversity, equity and inclusion are critical to our success, and we value the varied backgrounds and experiences that everyone brings to our organization. Monterra Credit Union reflects the value placed on employees by providing an excellent salary and benefits package:

00 per hour depending on experience
Semi-annual bonuses for meeting key financial and operational goals
Medical, Dental, Vision, Life, and Long-Term Disability insurances
Discounts on financial products and services, including mortgage and auto loans
Paid time off, tuition reimbursement, and much more



The Senior Commercial/SBA Credit Analyst will work within the Business Lending department and will work with the Commercial Loan Officer to assist in underwriting new Commercial/SBA real estate loans, business lines of credit, commercial vehicle loans, term loans and business credit cards along with managing the business lending loan portfolio’s existing lending relationships. Responsibilities will include conducting underwriting due diligence, financial analysis of borrowers and guarantors, preparation of quarterly and annual credit reviews, monitoring covenant compliance, risk ratings and credit quality of the portfolio, and other activities in support of the credit unions overall goals.



Reviewing and spreading financial statements
Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.
Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.
Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.
Applies knowledge of SBA Standard Operating Procedures (SOP) to evaluate loan applications for accuracy, completeness, and eligibility.
Performs analysis of financial statement spreads and repayment capacity for borrowers, affiliate business entities, and corporate and personal guarantors.
Reviews business and personal credit reports, as well as industry and market data.
Identifies and properly mitigates all risks associated with each assigned SBA application.
Prepares an appropriately detailed credit memorandum outlining terms and conditions for loan closing, summarizing financial and business analysis, and addressing mitigation of all identified risks.
Provides service that aligns with the Credit Union’s mission of passionately delivering relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and laws enforced by the Office of Foreign Assets Control.



Strong analytical and critical thinking skills, with the ability to analyze complex financial data and draw accurate conclusions.
In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices.
Proficient in using financial analysis software and tools.
Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
Attention to detail and high level of accuracy in analyzing and interpreting financial data.
Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.
Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Employee may occasionally work overtime.
Monterra Credit Union is an Equal Opportunity Employer.






Bachelor's degree in finance, accounting, or a related field.
Minimum of 5 years of experience as a Credit Analyst, preferably in a senior or leadership role.
Solid understanding of financial principles, credit regulations, and risk assessment methodologies.
Proven track record of successful credit analysis and risk assessment in a similar role.
Familiarity with credit scoring models and credit evaluation software.
Experience in working with commercial and consumer credit portfolios.
Strong competency in Microsoft Office suite - including Excel; experience with financial modeling is highly desired.
Good interpersonal skills with the ability to interface with relationship managers, portfolio managers, credit officers, clients, and senior management.
Maintains working knowledge and awareness of current and future trends in the economy and legislative/regulatory agencies affecting the operation of the department.
Oversees loan processing and underwriting functions, including pipeline management and quality control.
Maintains knowledge and understanding of the Credit Union Business Loan Policy, Credit Union SBA Loan policy and Credit Administration Procedures and performs all responsibilities according to these guidelines.
Ability to ensure compliance with laws and regulations that governs commercial lending
Appraisal Management Companies, Title, and Escrow companies, third party vendors
Strong leadership and training skills with the ability to perform day-to-day management tasks
Able to operate independently, with a full understanding of all commercial lending products, processing and underwriting procedures and activities

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