Commercial Underwriter II

Unitibank; Irvine (CA); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401K

Disability insurance

Flexible spending account

Vacation and sick policy

Job summary

United Business Bank in Irvine, CA is seeking an Underwriter II to join a collaborative credit team. The role focuses on analyzing loan requests, evaluating risk, and preparing credit materials for loan decisions.

You will interact with clients, help structure loans, monitor disbursements, and document loan files. Growth opportunities exist within a supportive Credit Administration environment.

Qualifications

• Bachelor's degree in Math, Business or related field.
• Minimum 5 years experience in lending, credit analysis or underwriting.
• Knowledge of banking regulations and lending procedures.
• Excellent communication and analytical skills.
• Strong customer-facing and documentation abilities.

Responsibilities

• Evaluate loan applications and perform credit analysis.
• Monitor disbursements and ensure loan terms compliance.
• Prepare credit presentations for new loans, renewals, and covenant monitoring.
• Interact with clients to discuss credit requests and gather information.
• Assist in loan documentation and reporting to the loan committee.
• Support Relationship Manager in loan structuring as needed.

Skills

Communication

Mathematics

Interpersonal skills

Cross-selling

Credit analysis

Organization

MS Office

Professionalism

Education

Bachelor's degree

Tools

Microsoft Word

Microsoft Excel

Job description

## DescriptionJoin a winning team at United Business Bank and enjoy a friendly and collaborative work environment where opportunities for advancement are encouraged and supported. We pride ourselves on the team that we have in place, and we proudly state that our success is due largely to our team and their commitment to our client base. Thank you for considering United Business Bank as your next step in your career path, we look forward to hearing from you.**About United Business Bank** We are a publicly traded Regional Bank with over $2.5B in assets and 34 offices in 5 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.**About the Position...****We have other levels within the Underwriter position currently open. All candidates are encouraged to apply and depending on prior experience the position could be an Underwriter I, II, or III.**The Underwriter II (U/W II) is a mid-level underwriter who, along with the other credit support staff, will work closely with the Credit Administrator and the Director of Credit Administration 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.## Qualifications**About You...** You are a self-starter with an entrepreneurial spirit who thrives in a team environment. You also have the following:**Education/Certification:** Bachelors Degree in Math, Business or related field, required.**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 working in a Credit Analyst or Underwriter role.**Skills/Abilities:*** Strong oral and written communication abilities.* Strong math skills. Strong interpersonal skills.* Strong interpersonal skills.* Strong business development techniques and cross-selling skills.* Ability to identify, analyze and handle credit requests.* Good organizational skills.* Good personal computer skills, ability to use Word and Excel.* Professional appearance, dress and attitude.**Location: Onsite**We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.