Commercial Real Estate Underwriter - Remote

UnitedHealth Group; Draper (UT); Remote; USD 70,000 - 100,000; Full time

Job summary

UnitedHealth Group's Optum division is seeking a Commercial Underwriter to join our credit analysis team. You will review loan requests, analyze financial statements, assess credit risk, and present recommendations to portfolio managers and underwriters.

This role emphasizes accuracy, risk control, and collaboration across Credit and Administration teams. The position offers flexible remote work from anywhere in the U.S., with in-office requirements only for specific areas if applicable.

Qualifications

• Experience in credit analysis and underwriting.
• Ability to analyze financial statements and assess credit risk.
• Strong communication skills for presenting findings to stakeholders.

Responsibilities

• Analyze new commercial loan requests and perform periodic reviews on existing commercial loans.
• Conduct analysis of financial statements and assess overall credit risk of new and existing loans.
• Take lead role in presenting analysis, findings, and recommendations to Portfolio Managers, Underwriters, and other members of the Credit team.
• Assess and recommend risk ratings for analyzed loans.
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit team functions.
• Complete quarterly and annual covenant compliance testing for existing loans in the portfolio.
• Analyze and document loan modification requests.

Skills

Credit analysis

Underwriting

Financial statements

Risk assessment

Presentation skills

Job description

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.

The Commercial Underwriter is experienced in credit analysis and will be responsible for assisting in the review and underwriting of loan requests to help the bank build, maintain, and accurately risk grade its strong credit portfolio. This will involve working closely with other analysts by assisting with training, underwriters, portfolio managers, and credit administration.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities

• Analyze new commercial loan requests and perform periodic reviews on existing commercial loans
• Conduct analysis of financial statements and assess overall credit risk of new and existing loans
• Take lead role in presenting analysis, findings, and recommendations to Portfolio Managers, Underwriters, and other members of the Credit team
• Assess and recommend risk ratings for analyzed loans
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit team functions
• Complete quarterly and annual covenant compliance testing for existing loans in the portfolio
• Analyze and document loan modification requests