Strategic Commercial Loan Underwriter

Bank of the Orient; Millbrae (CA); On-site; USD 110,000 - 150,000; Full time

Job summary

Bank of the Orient is seeking a Credit Underwriter to manage a portfolio of loan relationships, underwriting complex secured and unsecured loans, and advising clients on financing solutions. The role requires evaluating financial statements, liquidity, and credit risk to help the bank achieve its lending objectives.

Ideal candidates will have a Bachelor's degree in Finance or Accounting with 3–10 years of underwriting experience, strong communication skills, and the ability to work autonomously.

Qualifications

• Bachelor's degree in Finance or Accounting or related field.
• 3–10 years of experience in credit underwriting of commercial loans.
• Knowledge of real estate secured transactions, valuation methodologies, lending regulations.
• Ability to structure loans that are mutually beneficial to customer and bank.
• Excellent written and verbal communication; strong organizational skills.
• Bilingual in Chinese is a plus.

Responsibilities

• Underwrite a wide variety of complex secured and unsecured loans and lines of credit.
• Analyze financial statements, financial ratios, tax returns, and other documents to evaluate risk exposure and prepare written loan recommendations.
• Prepare loan recommendations that align with bank objectives.
• Process loan applications from branches or BDOs and communicate progress to stakeholders.
• Collaborate with Branch Managers/BDOs to enhance key relationships and assess credit risks.
• Ensure loan delivery to clients is coordinated and preserves customer satisfaction.

Skills

Credit underwriting

Financial analysis

Risk assessment

Communication skills

Attention to detail

Education

Bachelor's degree in Finance or Accounting

Tools

MS Word

Excel

Job description

Bank of the Orient is seeking a Credit Underwriter to manage a portfolio of loan relationships, underwriting complex secured and unsecured loans, and advising clients on financing solutions. The role requires evaluating financial statements, liquidity, and credit risk to help the bank achieve its lending objectives.

Ideal candidates will have a Bachelor's degree in Finance or Accounting with 3–10 years of underwriting experience, strong communication skills, and the ability to work autonomously.