Sr Commercial Loan Underwriter

A Senior Commercial Underwriter supports the commercial lending function of the Bank. As an experienced Underwriter you will partner with the 'internal' clients involved in the commercial lending function by preparing credit approval offerings for all types of transactions and levels of complexity including but not be limited to new and renewed loan offerings and modifications. You will also serve as a subject matter expert and resource on credit structuring. The ideal candidate will be seeking a career in banking, progressing into Senior Credit Administration or Line of Business roles.

• Preparing credit approval offerings for all types of transactions and levels of complexity. Credit approval documents will include but not be limited to new and renewed loan offerings and modifications. May include various pre- and post-approval activities as necessary.
• Using independent judgement to identify and mitigate risks, preparing offerings and risk ratings by analyzing credit, collateral and financial worthiness of borrowers, guarantors and credit structure. Ensuring credit quality and portfolio integrity are given the highest consideration when making credit decisions.
• Active participant in the deal team, working closely with relationship managers, senior leaders and credit administration.
• Strategic, forward thinking individual providing provocative insight, may work alongside relationship management in prospecting efforts.
• Providing recommendations on credit decisions for Executive Loan Committee supported by commentary and analysis. Expected to actively participate in committee presentations and discussion.
• Ongoing portfolio monitoring and servicing with renewals, amendments, modifications and relationship reviews, if applicable. Supporting covenant monitoring and compliance efforts. Working with Credit Review team to ensure file inconsistencies and inaccuracies are resolved.
• Supporting the ongoing development of the Credit Department by serving as a resource and mentor for junior underwriters and analyst.

None

• Bachelor Degree required, preferably with a concentration in accounting, finance or economics
• MBA, preferred
• Completion of a formal commercial credit training program (or equivalent work experience in this field)
• 10+ years of industry relevant experience
• Strong capabilities with forecasting, modeling and sensitivity analysis and ability to interpret.
• Complete knowledge of underwriting activities, practices, tools and considerations, and the ability to manage the complete underwriting process. Expect to serve as a subject matter expert and resource on credit structuring.
• Motivated team player able to multi-task, work efficiently, independently, and collaboratively
• Strong analytical, reasoning, and problem solving ability
• Excellent oral and written communication skills are required helping to interact with all Management levels, Credit Officers, Bank Examiners, and all other individuals necessary to properly perform the duties of this position.
• Requires impeccable organizational skills, attention to detail and efficient work methods.
• Works well in a dynamic environment, managing multiple tasks
• Self-motivated, demonstrating a high initiative

Be a part of a growing company that is truly committed to its employees and clients. Consider joining the First Bank family. As a member of our family, you are part of one of the largest independent banks in the U.S. We are proud of our growth and success over the past 100 years and look forward to a bright and promising future.

At First Bank one of our biggest strengths is the diversity of our people. Our mission is to capitalize on the diversity of our associates and promote personal and professional development throughout every area of the organization. We encourage diversity by actively seeking employees from various backgrounds, walks of life, and job skills. We strongly encourage you to apply whenever a First Bank job opportunity interests you.

First Bank is a VEVRAA Federal Contractor and an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected Veteran status.

Attn: Applicants interested in a San Francisco based position: First Bank will consider qualified applicants with a criminal history in a manner consistent with the San Francisco Fair Chance Ordinance.

At First Bank, we embrace a hybrid work environment which allows employees to work at an alternative location depending upon the needs of their job and team. Hybrid schedules should include at least two full days in the office with more or all in-office days expected of our client facing teams and the groups that support them in the business.