Commercial Underwriter II — Credit Expert & Growth Role

Tri Counties Bank; Bakersfield (CA); On-site; USD 92,000 - 130,000; Full time

Job summary

Tri Counties Bank in California is seeking a Commercial Underwriter to assess and approve commercial loan requests, including real estate and SBA-related financing. The role involves analyzing financial statements, determining credit worthiness, and coordinating with Relationship Managers to support client needs.

The ideal candidate will have a foundation in finance or accounting, 3+ years in commercial lending, and strong Excel and report-writing skills, with a focus on accuracy and risk

Qualifications

• Three years’ experience in a small business/commercial lending environment.
• Established knowledge of financial accounting theory and logic, loan structuring, commercial products and services.
• Ability to interpret and discuss analytical data and make credit recommendations to Senior Management.
• Excellent verbal and written communication skills and organizational abilities.

Responsibilities

• Analyze commercial loan applications to determine eligibility and risk.
• Coordinate credit approval process, evaluate repayment, and mitigate risk.
• Assist Relationship Managers to maximize cross-sell opportunities during processing.
• Ensure accurate processing, compliance with policies, and timely renewals.

Skills

Credit analysis

Financial statement interpretation

Communication skills

MS Office (Word & Excel)

Organizational skills

Risk assessment

Time management

Education

High school diploma

Bachelor's degree in Finance/Business/Accounting

Tools

Banking software

Credit report systems

Job description

Tri Counties Bank in California is seeking a Commercial Underwriter to assess and approve commercial loan requests, including real estate and SBA-related financing. The role involves analyzing financial statements, determining credit worthiness, and coordinating with Relationship Managers to support client needs.

The ideal candidate will have a foundation in finance or accounting, 3+ years in commercial lending, and strong Excel and report-writing skills, with a focus on accuracy and risk