Senior Commercial Underwriter – Real Estate & SBA

Tri Counties Bank; Redding, Cypress (CA, CA); On-site; USD 72,000 - 120,000; Full time

Job summary

Tri Counties Bank in California is seeking a Commercial Underwriter to assess loan requests across commercial, real estate, agriculture, and SBA lending. You will analyze financial data, determine credit worthiness, and prepare files for approval within your authority.

This role emphasizes collaboration with Relationship Managers, ensuring timely closings, and supporting cross-sales while maintaining compliance with bank policies and regulatory requirements.

Qualifications

• High school diploma or GED required.
• Undergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred.
• 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 and/or Risk Management on strategic issues or initiatives.
• Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.
• Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel.
• Excellent verbal and written communication skills.

Responsibilities

• Analyze commercial loan applications to determine eligibility and advise relationship managers.
• Coordinate the credit approval process, evaluate repayment, and mitigate risk.
• Analyze industry, management, and economic trends.
• Provide sales support to staff in answering questions relating to commercial loans.
• Ensure accurate processing with appraisal/escrow on secured loans.
• Order business and personal credit reports on principals.
• Coordinate compliance, decline letters, and adverse action documentation.
• Maintain logs of maturing lines and coordinate renewals.
• Assist Relationship Managers with Interim Credit Reports and Real Estate Update Memos.

Skills

Excellent organizational skills

Excellent verbal and written skills

Ability to utilize personal computers

Microsoft Office (Word & Excel)

Education

Three years’ experience in small business/commercial lending

Undergraduate degree in Finance, Business Administration or Accounting, or related work experience

High school diploma or GED

Tools

Microsoft Office

Job description

Tri Counties Bank in California is seeking a Commercial Underwriter to assess loan requests across commercial, real estate, agriculture, and SBA lending. You will analyze financial data, determine credit worthiness, and prepare files for approval within your authority.

This role emphasizes collaboration with Relationship Managers, ensuring timely closings, and supporting cross-sales while maintaining compliance with bank policies and regulatory requirements.