Underwriters play a critical role in supporting Commercial Bank of California's relationship-driven lending strategy by evaluating and analyzing complex commercial and business credit requests. This position involves preparing detailed credit authorizations in accordance with bank policies and presenting recommendations to senior credit personnel and committees. It suits a professional who can conduct thorough financial analysis, synthesize data, apply sound judgment, and provide well-supported opinions on creditworthiness.
Responsibilities
Interact directly with loan officers and customers/prospects regarding commercial business loans
Prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns
Prepare accurate Credit Authorizations in conjunction with loan officers and present a complete and thorough analysis of existing and potential borrowers
Recognize and act on customer prospects, cross-sell opportunities with existing customers
Make proper referral of loan opportunities to lending personnel
Interact independently with customers/prospects to request financial information to complete spreading presentations and other financial analysis
Assist in the accurate determination of a borrower's debt service capacity in conformity to the type of credit analyzed
Review loan agreement covenants for verification of the compliance thereto
Accurately prepare financial projections as required
Maintain an accurate, up-to-date tracking log of all activity and credit arrangements in process
Collect industry information relevant to existing and proposed borrowers using internal and external sources
Consult with the President, Chief Credit Officer, Credit Administration Officers, and other Loan Officers, on credit structure, pricing, collateral and other credit consideration issues
Gather information from the Bank's LAS system to compute lending liability to the Bank
Conduct trade and reference checks on customers/prospects
Review documentation to ensure compliance with Bank policy and procedures
Perform special projects as designated by the Credit Administration
Other duties as assigned
Requirements
Bachelor's degree from a four-year college or university; or 5+ years related experience and/or training; or equivalent combination of education and experience
Basic knowledge and training in financial statements and tax return analysis typically from a combination of education in accounting, financial and/or credit analysis
Intermediate proficiency with Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, Teams)
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Strong understanding of all related State and Federal lending regulations and Bank policies and procedures
Advanced knowledge of commercial, C&I, commercial real estate policies, practices and procedures
Possess strong sales and marketing ability to sell Bank Services
Manage priorities to ensure effective accomplishment of objectives
Handle high volume of workflow from various sources
Plan, organize and prioritize tasks to meet deadlines
Lead and motivate employees to complete tasks in accordance with established standards
Analyze and solve work problems
Follow oral or written instructions
Communicate effectively with co-workers, consultants, regulators, and other parties
Prepare clear and concise reports and other documentation and correspondence
Nice to have:
Working knowledge of Abrigo
Benefits
Competitive employer contribution to medical, dental and vision coverage
401k plan with employer match
Flexible Spending Accounts (FSA) and Dependent Care Accounts
Employee Assistance Program (EAP)
Employer provided Calm subscription
Employer provided mental health benefits through Teladoc
Life, AD&D and disability insurance
Minimum 15 Days of Vacation
11 Paid Federal Holidays
Paid Time off to Volunteer
Online discount program
Tuition Reimbursement Program
About the Company
Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2024. It is a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions, with leadership that reflects the diverse communities it serves.
Commercial Bank of California (CBC) is a full-service, FDIC-insured, community bank headquartered in Irvine, California, that supports businesses, nonprofits and organizations across California.
