Remote Senior CRE Underwriter — High-Impact Commercial Loans

Optum; Draper (UT); Remote; USD 92,000 - 164,000; Full time

Benefits offered by this job

Comprehensive benefits package

Equity stock purchase

401k contribution

Job summary

Optum is hiring for a senior underwriting role focused on commercial loan requests, including CRE loans, with substantial responsibility for memos, risk ratings, and portfolio oversight.

Ideal candidates have 5+ years in financial statement analysis and credit decision-making on large transactions, plus CRE knowledge and regulatory familiarity. This full-time role offers comprehensive benefits and a path for professional growth.

Qualifications

• 5+ years of experience analyzing business and personal financial statements for loan requests.
• 5+ years of experience underwriting commercial loans, including CRE loans.
• Experience making or recommending credit decisions on transactions > $10 million.
• Knowledge of CRE financing, loan documentation, lending laws, and loan servicing.

Responsibilities

• Underwrite new commercial loan requests and perform periodic reviews on existing commercial loans.
• Create credit underwriting memos analyzing the credit request, borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with regulations.
• Analyze and document loan modification requests.
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function.
• Ensure that loan files and documentation are complete.
• Make, recommend, and present credit decisions to credit administration and credit committee through written and verbal communication.
• Assess and recommend risk ratings for underwritten loans.
• Assist with portfolio management and monitoring.
• Develop and maintain positive relationships with internal and external clients.
• Assist in training and mentoring less experienced credit team members.

Skills

Credit underwriting

Financial analysis

Loan documentation

Regulatory compliance

Education

Bachelor's degree in Finance, Economics, or Business

Job description

Optum is hiring for a senior underwriting role focused on commercial loan requests, including CRE loans, with substantial responsibility for memos, risk ratings, and portfolio oversight.

Ideal candidates have 5+ years in financial statement analysis and credit decision-making on large transactions, plus CRE knowledge and regulatory familiarity. This full-time role offers comprehensive benefits and a path for professional growth.