Commercial Loan Underwriter

4 weeks ago


Houston, United States Babich & Associates Full time

Job Title: Loan Underwriter/Portfolio Manager

Position Overview:

Seeking a detail-oriented and analytical Loan Underwriter/Portfolio Manager. In this role, you will be responsible for reviewing, analyzing, and managing loan applications, making credit recommendations, and maintaining a loan portfolio. You will collaborate with lenders to support business growth while ensuring compliance with the bank’s lending policies. This role also requires active participation in community outreach and business development efforts.



Key Responsibilities:

  1. Loan Package Review: Ensure all loan applications are complete, well-organized, and meet internal guidelines.
  2. Financial Analysis: Conduct thorough financial assessments to evaluate the creditworthiness of borrowers, loan pricing, and risk ratings.
  3. Credit Recommendations: Provide informed recommendations on credit decisions, loan structures, and risk assessments to team leaders and lenders.
  4. Document Preparation: Prepare and gather all necessary loan documents for closing, ensuring accuracy and completeness.
  5. Portfolio Maintenance: Support the ongoing review and management of the existing loan portfolio.
  6. Client Financial Analysis: Collect and analyze financial information from clients to ensure compliance with reporting and covenant requirements.
  7. Lender Collaboration: Work closely with lenders to create business proposals and concept memos for prospective clients.
  8. Policy Adherence: Stay informed about the bank’s lending policies and procedures to ensure all actions comply with guidelines.
  9. Portfolio Management: Manage a small loan portfolio, handling renewals, modifications, updated credit analysis, and overall monitoring.
  10. Community Involvement: Actively engage in community and professional organizations to build relationships and enhance the bank's presence.
  11. Business Development: Develop new business opportunities with the goal of generating at least $3 million in new loan growth annually.

Qualifications:

  1. Experience: 3-5 years of underwriting experience is required.
  2. Education: A Bachelor’s Degree in Business or a related field is preferred.
  3. Business Development: Demonstrated ability to generate a minimum of $3 million in new loans annually.
  4. Portfolio Management: Proven ability to manage a loan portfolio of at least $10 million.

Desired Skills:

  • Strong financial analysis and risk assessment abilities.
  • Excellent communication and interpersonal skills.
  • Ability to work collaboratively with lenders and other team members.
  • Strong organizational skills with attention to detail.



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