Commercial Loan Underwriter at EverTrust Bank in City of Industry, CA

Summary: EverTrust Bank is seeking a Commercial Loan Underwriter to support its commercial lending operations. The role performs financial, credit, real estate collateral, and industry analysis; prepares credit recommendations and approval reports; supports loan closing; and monitors portfolio performance, risk ratings, and asset quality.

Responsibilities:
- Work closely with relationship managers and customers on the assigned loans to maintain and grow team portfolio
- Underwrite commercial loans by provide in-depth financial analysis of the borrowing entities, market analysis of the real estate collaterals, and industry analysis of the businesses with summary of findings and recommendations in the form of Loan Approval Report
- Perform in-depth financial and credit analysis for the client applying for the loan, make recommendations regarding credit decisions, risk ratings, loan pricing, and credit structure pursuant to the bank’s credit policies and procedures, and prepare CA (Credit Approval) and/or memo for management approval
- Work with loan service department and/or credit administration to order and review appraisal reports, environment reports, field audit reports, and due diligent items
- Order and review loan documents for closing and ensure all documents in line with the approved terms
- Update financial spreads, conduct covenant tests, and monitor the assigned loans performing as agreed and ensure credit quality being properly risk rated
- Handle day-to-day loan transactions and activities for the assigned portfolio including construction loans
- Prepare routine reports for credit related meetings
- Maintain and support other lending team’s portfolio
- Perform additional duties as deemed necessary

Required Qualifications:
- • Education: BA/BS degree in Business, finance or related field or equivalent experiences
- • Experience: 1+ years of directly related experience
- • Skills/Ability: Strong PC skills, excellent credit and analysis skills. Excellent verbal and written communication skills
- • Knowledge: Extensive knowledge of credit, spread analysis, finance and lending procedures
- • Training Courses Required: As required to carry out duties

Required Skills: Commercial Loan Underwriting, Financial Analysis, Credit Analysis, Real Estate Market Analysis, Industry Analysis, Credit Risk Rating, Loan Pricing, Credit Structuring, Credit Spread Analysis, Commercial Lending Procedures