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Credit Analyst and Underwriter

Company: United Business Bank
Location: Walnut Creek
Posted on: January 6, 2022

Job Description:

United Business Bank is looking for an Experienced Credit Analyst and Underwriter for an in person role in our Walnut Creek Corporate Headquarters. (Located across from the BART station). - Occasional work from home or hybrid possible.
POSITION PURPOSE
The Credit Analyst and Underwriter, along with the other credit support staff, will work closely with the Credit Administrator and the Director of Credit Administrator to evaluate loan applications, complete credit analysis, monitor loan disbursements and compliance with loan terms, set up systems, products and services associated with the lending functions of United Business Bank. In this position, you will complete financial analysis and develop credit presentations for new loans, renewals, annual reviews and covenant monitoring. This position will interact with clients to discuss credit requests and obtain and evaluate appropriate information relative to the request. This position may assist the Relationship Manager in determining loan structure, and may make credit presentations to the loan committee in the absence of the Relationship Manager. This position will also assist in documenting loans, monitoring disbursements and following up for required documentation. In addition, you will have other duties relating to credit administration as will be defined over time. They also assist the Credit Administrator with other duties as assigned.
ESSENTIAL FUNCTIONS AND BASIC DUTIES

  • Assumes responsibility for the efficient, effective and accurate performance of Underwriter functions.
  • Prepare CA for approval of new loans, renewals and modifications to be submitted to CCO, Director of Credit Administration and Loan Committee. This process entails the following:
  • Evaluate loan applications.
  • Analyze and spread tax returns and financial statements to determine credit worthiness.
  • Obtain and evaluate credit reports.
  • Obtain and evaluate appraisals.
  • Determine and make recommendations on loan structure.
  • Assist Client Relationship Managers (RM), Credit Administration and CCO, as needed.
  • Communicate with clients to discuss loan requests for underwriting purposes, as needed.
  • May make credit presentations to the Loan Committee, when needed.
  • May be responsible for monitoring loan disbursements and construction loan draws.
    • Assumes responsibility for the efficient, effective and accurate performance of Credit Analyst functions.
      • May assume the role of the clients primary bank contact and assist in the management of an existing clients loan relationship with the Bank, if needed, by:
        • Assumes Responsibility for following all bank policies and procedures and regulatory guidelines, and for attending all required training.
          • Assumes responsibility for establishing and maintaining effective coordination and working relationships with clients, other staff, and executive management.

            QUALIFICATIONS
            Education/Certification
            • Bachelors Degree in Math, Business or related field, preferred. Required Knowledge
              • Knowledge of banking and lending operations and procedures, as well as, the various regulations and standard banking practices. Experience Required
                • Minimum of 5 years experience in the lending area of a financial institution.

                  About us...We are a publicly traded Regional Bank with approx $2B in assets and 35 offices in 4 states.
                  We have an entrepreneurial spirit and focus on the community by specializing in small to medium sized business clients. Our single point of contact model delivers outstanding customer service. United Business Bank's comprehensive benefit package includes medical, dental, vision, 401K, long and short term disability insurance, flexible spending account, a generous vacation and sick policy.by Jobble

Keywords: United Business Bank, Walnut Creek , Credit Analyst and Underwriter, Professions , Walnut Creek, California

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