Commercial Loan Underwriter IV

Who You Are

You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated.

What You’ll Do

• Works directly with lenders under little supervision to underwrite credit requests as assigned.
• Oversees the periodic loan review process to ensure all loans are reviewed appropriately and timely.
• Reviews and approves loans within delegated authority and provides recommendations on credit requests that exceed individual lending authority.
• Mentors, trains, advises, and assists junior underwriters during the underwriting process, including new and modification loan requests and periodic loan reviews.
• Ensures compliance standards are met and maintained for the entire commercial loan portfolio.
• Supports audits and credit examinations of the commercial loan portfolio.
• Monitors the existing commercial loan portfolio and provides collection efforts on delinquent accounts.
• Facilitates and attends sales calls and visits for select-sized loans.
• Partners with business banking officers to obtain all necessary financial and other documentation to underwrite a loan and move it through the approval process.
• Ensures all loan requirements have been met prior to loan closing.
• Provides post-funding analytical and monitoring support of credit relationships and portfolio maintenance.

What You Bring

• A High School Diploma Required
• A Bachelor's Degree Required
• 8 to 10 years of similar or related experience in commercial lending required
• Small Business Administration (SBA) Underwriting experience preferred
• Proven ability in commercial lending, including lines of credit, term loans, and commercial real estate lending
• Strong written and verbal communication skills
• Knowledge and experience with office suite software (e.g., Microsoft Outlook, Word, Excel, PowerPoint)
• Strong attention-to-detail, organization, and multitasking skills

Compensation & Benefits

• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement
• Tuition Reimbursement
• Student loan repayment
• and much more

Why Join OneAZ?

We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams.

Additional Notes

• Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
• Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.
• All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.
• Any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing System (NMLS).

Position Grades

Position grades could fluctuate based on market value.