Credit Underwriter: Consumer & Commercial Lending

Bank of the Orient; Millbrae (CA); On-site; USD 80,000 - 120,000; Full time

Job summary

Bank of the Orient is seeking a Credit Underwriter to support loan officers in processing and reviewing credit applications, analyzing borrower creditworthiness, and preparing credit reports. The role requires at least 2 years of underwriting experience across consumer, commercial, construction, or SBA lending, with opportunities to assist in real estate reviews and annual statements.

The ideal candidate will work closely with the Chief Credit Officer to finalize approvals and may participate in

Qualifications

• Minimum 2 years of credit underwriting experience in consumer, commercial, construction and/or SBA lending.
• Assist loan officers in processing and review of credit applications and develop and analyze credit information.
• Prepare accurate summaries, cash flow analyses, and credit reports; present facts and opinions concerning creditworthiness.

Responsibilities

• Analyzes and evaluates creditworthiness of borrowers utilizing Financial and Tax Return Spreads.
• Prepares and summarizes conditions and covenant requirements of borrowers that require bank action.
• Obtains credit reports from agencies, including reporting services, credit bureaus, other financial institutions, and bank files.
• Prepares factual summaries and credit approvals for submission to Chief Credit Officer
• Determines the need for more thorough investigation or additional information contacting appropriate sources for such information.
• Reviews and finalizes the credit approval with the Chief Credit Officer.
• Submits loan proposal to Chief Credit Officer and/or Management Loan Committee for review and approval.
• Assists with the preparation of annual real estate reviews and annual updated financial statements reviews.
• Is familiar with and participates in discussions regarding current banking rules and regulations, trade finance and loan products, and marketing strategy.

Job description

Bank of the Orient is seeking a Credit Underwriter to support loan officers in processing and reviewing credit applications, analyzing borrower creditworthiness, and preparing credit reports. The role requires at least 2 years of underwriting experience across consumer, commercial, construction, or SBA lending, with opportunities to assist in real estate reviews and annual statements.

The ideal candidate will work closely with the Chief Credit Officer to finalize approvals and may participate in