Commercial Portfolio Underwriter, Commercial Banking
Southern California | Orange County, San Diego or Riverside County
We are working with a relationship-focused commercial bank that is adding Commercial Underwriters across Southern California. This is a strong opportunity for a commercial credit professional who wants meaningful ownership of a portfolio, exposure to a broad mix of C&I and CRE transactions, and the ability to work closely with experienced Relationship Managers rather than operate in a purely transactional underwriting environment.
The bank is open to different levels of experience and candidates in Orange County, San Diego and Riverside County and is hiring for multiple positions.
The Role:
The Portfolio Underwriter will be responsible for underwriting and monitoring an assigned commercial loan portfolio, with a primary focus on renewals, modifications, annual reviews, covenant monitoring and ongoing credit risk management. You will also support new loan underwriting as needed and work directly with Relationship Managers, Credit Administration and other members of the commercial banking team.
This is not a narrow spreading role. The bank is looking for someone who can evaluate the full credit, understand the borrower and business, identify risk, make sound recommendations and communicate clearly with both internal partners and clients.
Credit Exposure:
The portfolio includes a broad range of commercial lending, including:
C&I lines of credit and working capital facilities
Equipment financing
Business acquisitions and partner buyouts
Owner-occupied commercial real estate
Investor commercial real estate
Construction lending
Multifamily, industrial, retail and hospitality properties
SBA 7(a) and SBA 504 transactions
Government-guaranteed lending programs
Asset-based and borrowing-base facilities
What You’ll Be Doing:
You will manage the credit side of assigned relationships throughout the life of the loan, including:
Underwriting loan renewals, modifications and annual reviews
Spreading and analyzing business and personal financial statements and tax returns
Completing global cash flow and debt service analysis
Evaluating liquidity, leverage, profitability, repayment capacity and collateral
Monitoring borrower reporting requirements and financial covenants
Identifying deteriorating credit trends and recommending risk rating changes when appropriate
Preparing problem loan reporting for criticized or downgraded relationships
Supporting new loan requests and preparing comprehensive credit approval memorandums
Reviewing loan structure, collateral, guarantor support and repayment sources
Working directly with Relationship Managers to resolve credit questions and keep transactions moving
Coordinating with loan documentation, legal and operations teams following approval
Maintaining strong credit files and supporting internal, external and regulatory reviews
What They’re Looking For:
The ideal candidate will have approximately 5+ years of commercial underwriting or commercial credit experience within a bank or similar lending institution.
Strong candidates should have:
Experience underwriting both C&I and commercial real estate
Strong business financial statement and tax return analysis
Experience analyzing personal financial statements and guarantor tax returns
Strong financial spreading and cash flow analysis skills
The ability to independently assess credit risk
A collaborative style and comfort working directly with commercial bankers
A bachelor’s degree in Finance, Accounting, Business or a related discipline is preferred. Formal bank credit training is also a plus.
Experience with platforms such as nCino, Salesforce or similar commercial lending systems is helpful but not required.
Why This Opportunity:
This bank takes a relationship-driven approach to commercial banking and offers exposure to a wide variety of credit rather than keeping underwriters boxed into one narrow product type.
For someone who enjoys the…