Commercial Lending Underwriter — Strategic Credit Analysis

Patelco Credit Union; Dublin (CA); On-site; USD 92,000 - 115,000; Full time

Benefits offered by this job

401(k) with match

Loan discounts

Tuition reimbursement

Medical, dental, vision, life benefits

Job summary

Patelco Credit Union is seeking a skilled credit professional to support the lending activities of the Member Business Loan department. You will perform in-depth underwriting, analyze financial statements, prepare approval memorandums, and provide timely credit analysis for prospective and current borrowers.

The role requires strong analytical and communication skills, attention to regulatory guidelines, and the ability to manage multiple loans while maintaining confidentiality.

Qualifications

• Bachelor’s degree in Finance, Accounting, or related major required.
• Math aptitude and analytical skills required.
• Knowledge of SBA guidelines, processes, and regulations governing servicing actions preferred.

Responsibilities

• Perform in-depth underwriting analysis of borrowers’ character, credit worthiness, and financial condition.
• Provide analytical support to senior lending personnel.
• Prepare approval memorandums for presentation to lending authorities.
• Conduct industry research and analyze financial statements for credit decisions.
• Develop credit information for lending decisions on new loans, renewals, and extensions.
• Ensure credit files are organized and up to date.
• Understand and comply with applicable banking regulations and Patelco policies.

Skills

Credit analysis

Written communication

Oral communication

Analytical thinking

Multi-project management

Confidentiality

Regulatory knowledge

Education

Bachelor’s degree in Finance or Accounting

Job description

Patelco Credit Union is seeking a skilled credit professional to support the lending activities of the Member Business Loan department. You will perform in-depth underwriting, analyze financial statements, prepare approval memorandums, and provide timely credit analysis for prospective and current borrowers.

The role requires strong analytical and communication skills, attention to regulatory guidelines, and the ability to manage multiple loans while maintaining confidentiality.