Senior Commercial Credit Underwriter

Patelco; Dublin (CA); On-site; USD 92,000 - 115,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401(k) with match

PTO

Paid holidays

Job summary

Patelco Credit Union in Dublin HQ is seeking a skilled Credit Analyst to support the Member Business Loan department by delivering timely credit analysis of prospective and current borrowers.

You will perform underwriting, analyze financial statements, prepare approval memorandums, and present credit findings to lending authorities while ensuring compliance with banking regulations and internal policies.

Qualifications

• Bachelor’s degree in Finance, Accounting, or related major.
• 3+ years’ experience with commercial or business lending portfolios.
• Math aptitude and analytical skills required.
• Knowledge of general accounting principles required.
• Knowledge of SBA guidelines, processes, and regulations preferred.

Responsibilities

• Perform in-depth underwriting analysis of borrowers’ character, credit worthiness, and financial condition.
• Prepare approval memorandums and present credit findings to lending authorities.
• Analyze financial statements and related material for credit analysis.
• Conduct industry research and interact with servicing institutions.
• Ensure credit files are organized with current information.

Skills

Credit analysis

Financial analysis

Communication skills

Loan underwriting

Time management

Education

Bachelor's degree in Finance or Accounting

Tools

Excel

Word processing

Job description

Patelco Credit Union in Dublin HQ is seeking a skilled Credit Analyst to support the Member Business Loan department by delivering timely credit analysis of prospective and current borrowers.

You will perform underwriting, analyze financial statements, prepare approval memorandums, and present credit findings to lending authorities while ensuring compliance with banking regulations and internal policies.