Senior Commercial Loan Underwriter II - Fresno Palm

About the Role

The Senior Commercial Loan Underwriter evaluates AG, Commercial Business, and Real Estate loan requests, performing a variety of duties to assess creditworthiness and manage risk. This role involves analyzing financial information, conducting credit investigations, and making discretionary recommendations to support the loan process.

Responsibilities

• Analyze commercial loan applications to determine eligibility and confer with Loan Officers to assess client needs.
• Request additional information as needed and attend client meetings to provide credit expertise.
• Analyze credit and financial information (e.g., credit reports, tax returns, financial statements) to determine credit risk.
• Enter financial data into programs to generate ratios, assess creditworthiness, and ensure compliance with loan terms.
• Generate cash flow projections, reconcile and interpret financial ratios, and perform comparative, trend, and market analysis.
• Conduct stress-testing and compare liquidity/profitability metrics with industry benchmarks.
• Prepare clear, concise written analysis identifying repayment sources, key risks, and mitigating factors for credit authorizations.
• Recommend credit approval requirements, including financial covenants, monitoring provisions, and accurate credit grading.
• Maintain current knowledge of Bank underwriting guidelines, policies, and regulatory requirements for commercial lending.
• Assist Loan Officers in preparing credit extension memo updates and interface with internal departments and committees.
• Complete annual term loan reviews to assess borrower repayment ability, covenant adherence, and collateral monitoring.
• Perform other work-related duties as assigned.

Requirements

• Established knowledge of financial accounting theory, loan structuring, and commercial products/services.
• Ability to read, analyze, and interpret financial reports and legal documents.
• Advanced analytical, problem-solving, and credit quality skills, including financial statement spreading and cash flow analysis.
• Proven ability to interpret and discuss analytical data to make credit recommendations to Senior Management.
• Proficiency in applying mathematical concepts (fractions, percentages, ratios) to practical situations.
• Excellent organizational skills with the ability to manage multiple tasks efficiently and accurately.
• Strong proficiency in Microsoft Office (Word, Excel) and Windows-driven programs.
• Exceptional written and verbal communication skills, with the ability to simplify complex financial information.
• Ability to work independently, manage time effectively, and deliver work on time without close supervision.
• Demonstrated ability to collaborate across teams and manage internal/external customer relationships.

Qualifications

Undergraduate degree in Ag Business, Finance, Business Administration, or Accounting; or five years of related work experience and/or training; or an equivalent combination of education and experience.

Physical Demands

• Regularly required to sit; occasionally required to stand, walk, and reach with hands and arms.
• Must occasionally lift and/or move up to ten pounds.
• Requires close vision and the ability to adjust focus.

Work Environment

The work environment is typically quiet, with reasonable accommodations available for individuals with disabilities.