Commercial/business Banking Underwriter

3 weeks ago

Chino, United States California Bank & Trust Full time

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

We are looking for a Commercial/Business Banking Underwriter in Chino, CA.

**Essential Functions**:
Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.

Interprets outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.

Responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness.

Ensures credit requests are processed in accordance with bank policies, banking regulations and laws.

Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

Responds to internal and external customer inquiries.

Recommends exceptions based on findings.

May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables.

May have authority to approve loans beyond the organization's guidelines.

Senior most level may function as a lead and be responsible for second level approvals.

Other duties as assigned.

**Qualifications**:
Requires a Bachelor's in Finance, Business, Accounting or a related field and 6+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. A combination of education and experience may meet qualifications.

Employs advanced knowledge as a generalist or specialist of commercial, commercial RE and/or business banking credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.

Advanced working knowledge of Business Banking, C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

Advanced working knowledge of balance sheets, income and cash flow statements.

Strong understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.

Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.

Possess excellent judgment, ability to make sound decisions.

Ability to accept responsibility and handle confidential information.

Must have excellent customer relations and communication skills, both verbal and written.

Must be a self-starter, dependable, accurate in completing responsibilities with excellent attention to detail and organizational skills.

**Benefits**:
Medical, Dental and Vision Insurance - START DAY ONE

Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance

Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts

Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays

401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

Mental health benefits, including coaching and therapy sessions

Tuition Reimbursement for qualifying employees

Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $102,000 $125,000 annually depending on job-related factors such as level of experience.

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