Commercial Underwriter

Posted on Sep 11 San Diego, CA

Zions Bancorporation

The Downtown San Diego Office is currently seeking well qualified professionals for the role of Commercial Credit Analyst. California Bank & Trust, ZB N.A., is a commercial bank that specializes in lower middle market commercial loans and commercial real estate loans throughout California

This is what it takes to be successful:
  • Preparing credit presentations for C&I loans and/or commercial real estate loans.
  • Performing underwriting related to renewals and new loan originations and due diligence.
  • Preparing pro forma financial statements, analyzing borrower credit quality and collateral quality
  • Ensuring financial statements are spread and analyzed accurately.
  • Addressing industry and credit risks; performing collateral analysis; loan structuring and pricing.
  • Other duties as assigned by Credit Manager

  • MUST HAVE a Bachelor's degree and minimum 4+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
  • MUST HAVE Working knowledge in credit underwriting, financial analysis, cash flow analysis and adherence to policy.
  • Exceptional communication skills, both verbal and written.
  • Excellent customer service, relationship, organizational, analytical and creative problem solving skills.
  • Solid attention to detail skills.
  • Ability to think strategically and perform risk analysis at the loan or relationship level.
  • Ability to meet deadlines and multi-task
  • Proficient in Microsoft Office

What's in it for you?
  • Competitive base salary
  • Annual bonus based on your performance
  • Backing of one of the most successful community focused banks in the western U.S.
  • Generous employee benefits, including immediately vesting of 401K.