Senior Commercial Real Estate Loan Underwriter

O. C. Credit Union; Santa Ana (CA); On-site; USD 55,000 - 73,000; Full time

Benefits offered by this job

Dental & Vision insurance

Health insurance

401(k) retirement plan

Paid holidays

Sick leave

Annual bonus

Job summary

Orange County's Federal Credit Union in Santa Ana, CA seeks a Commercial Credit Underwriter for Real Estate and Small Business. You will lead underwriting of diverse commercial transactions, including CRE, lines of credit, and equipment financing, with strong emphasis on risk assessment and relationship-driven decisions.

The role requires in-depth financial analysis, independent judgment, and collaboration with senior management to deliver well-supported credit recommendations.

Qualifications

• 3+ years of commercial underwriting experience, including commercial real estate.
• Strong foundation in financial and tax analysis.
• Understand complex credit structures and regulatory requirements (FNMA, FHLMC, etc.).
• Experience with credit analysis tools (Sageworks/Abrigo is a plus).
• Clear, confident written and verbal communication.
• Ownership, follow-through, and integrity in work.

Responsibilities

• Underwrite investor and owner-occupied commercial real estate transactions.
• Review rent rolls, operating statements, appraisals, environmental reports, and market data.
• Underwrite C&I and small business credit relationships, plus treasury management products.
• Analyze global cash flow across borrowers, guarantors, and affiliated entities.
• Structure loan terms to mitigate risk and assign risk ratings.
• Present recommendations to senior management and loan approval authorities.
• Evaluate covenant compliance and ongoing portfolio performance.
• Participate in annual review and portfolio monitoring activities.
• Identify emerging risks and recommend action plans.
• Analyze commercial loan participations and syndicated credit opportunities.

Job description

Orange County's Federal Credit Union in Santa Ana, CA seeks a Commercial Credit Underwriter for Real Estate and Small Business. You will lead underwriting of diverse commercial transactions, including CRE, lines of credit, and equipment financing, with strong emphasis on risk assessment and relationship-driven decisions.

The role requires in-depth financial analysis, independent judgment, and collaboration with senior management to deliver well-supported credit recommendations.