-
The Symicor Group Sacramento, United StatesWho We Are · The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former ba ...
-
California Department of Housing and Community Development Sacramento, United States**Job Duties** · Under the general direction of the Staff Services Manager I (Manager I) of the State Grant Management (SGM) Section of the Division of Financial State Assistance (DSFA), the Housing and Community Development Representative (HCDR) II is responsible for all phases ...
-
Staff Services Manager I
1 week ago
Department of Housing & Community Development Sacramento County, CA, United States**HCD values diversity at all levels of the organization and is committed to fostering an environment in which employees from a variety of backgrounds, cultures, and personal experiences are welcomed and can thrive. HCD believes the diversity of our employees and their unique ide ...
-
Dealer Relationship Manager
3 days ago
Santander US Sacramento, United StatesDealer Relationship Manager - California, South Bay · Sacramento, United States of America · This is an outside sales position that requires the representative to be physically living in the vicinity of Torrance, CA for business needs. Before applying, please keep in mind that th ...
-
Area Sales Manager
1 week ago
United Auto Credit Corporation Sacramento, United States**As a United Auto Credit Area Sales Manager, you are responsible for signing, maintaining and growing UACC's market share with both Independent and Franchise dealerships in your territory. Your ability to leverage the relationships you build makes you the single most important f ...
-
Department of Housing & Community Development Sacramento County, CA, United States**HCD values diversity at all levels of the organization and is committed to fostering an environment in which employees from a variety of backgrounds, cultures, and personal experiences are welcomed and can thrive. HCD believes the diversity of our employees and their unique ide ...
-
Environmental Project Director; Oregon
1 week ago
CREtelligent Rancho Cordova, United States**We are CREtelligent** · What happens when you combine comprehensive commercial property data sources, predictive analytics, in-house Commercial Real Estate (CRE) experts, cutting edge due diligence technology and a talented, motivated, humble team eager to disrupt a multi-trill ...
-
Credit Analyst
1 week ago
River Valley Community Bank Roseville, United States**Position Title**: Credit Analyst I, II & III** · **Title of Supervisor**: Senior Credit Analyst Lead & Supervisor/Assistant Vice President** · **Grade: 9 - 11** · River Valley Community Bank is a premier community bank, committed to meeting the needs of our clients with relatio ...
-
Mortgage Loan Originator
1 week ago
Pacific Wholesale Mortgage Sacramento, United States· We are looking for an experienced, service, and detail-oriented mortgage loan officer to join our team. We believe in removing obstacles and creating a supportive environment for you to thrive in. If you have a proven track record of creating lending solutions for your clients ...
-
Mortgage Loan Originator
1 week ago
PRMG Mortgage Sacramento, United States· We are a mortgage lender Built By Originators For Originators. We are dedicated to serving our community. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed i ...
-
Senior Credit Analyst
1 week ago
Choice Bank Golden Valley, United StatesSenior Credit Analyst Job Description · The Senior Credit Analyst is responsible for taking a lead role in underwriting the intermediate size commercial banking customers. He/she will provide independent and sound opinions on appropriate structures, terms, covenants, and risk rat ...
-
Sr. Mortgage Processor
6 days ago
PRIME TIME MORTGAGE CORP. Sacramento, United StatesJob Description · Job Description A Mortgage Company is seeking an expert data cruncher with a knack for investigating financial information. Mortgage Processors are responsible for interviewing loan applicants, reviewing applicant financial data and approving or rejecting loans, ...
-
Mortgage Loan Officer
1 week ago
Banner Bank Sacramento, United StatesMore than 130 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. Our financial strength and stability are key reasons Forbes names us one of the Best 100 Banks in America the past five years. · ...
-
Mortgage Loan Originator
6 days ago
Pacific Wholesale Mortgage Sacramento, United StatesJob Description · Job DescriptionWe are looking for an experienced, service, and detail-oriented mortgage loan officer to join our team. We believe in removing obstacles and creating a supportive environment for you to thrive in. If you have a proven track record of creating lend ...
-
Mortgage Loan Originator
6 days ago
PRMG Mortgage Sacramento, United StatesJob Description · Job DescriptionWe are a mortgage lender Built By Originators For Originators. We are dedicated to serving our community. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professiona ...
-
National Practice Lead
4 days ago
Travelers Insurance Sacramento, United States**Who Are We?** · Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a cu ...
-
Director of Policy and Risk Management
1 week ago
Golden 1 Talent Acquisition Team Sacramento, CA, United StatesDIRECTOR - CREDIT RISK STATUS: EXMEPT REPORTS TO: VP - FINANCE DEPARTMENT: CREDIT RISK JOB CODE: 11549 · Responsible for leading and directing all aspects of Credit Risk within the organization. Credit Risk is ultimately responsible for identifying, measuring, reporting, and man ...
-
Director - Credit Risk
1 week ago
Golden 1 Talent Acquisition Team Sacramento, United States8945 Cal Center Dr, Sacramento, CA 95826, USA · Req #4865 · Thursday, February 8, 2024 · TITLE: DIRECTOR - CREDIT RISK · STATUS: EXMEPT · REPORTS TO: VP - FINANCE · DEPARTMENT: CREDIT RISK · JOB CODE: 11549 · PAY SCALE: $152, $185,000.00 ANNUALLY · GENERAL DESCRIPTION: · Res ...
-
Processor and Marketing Manager
1 day ago
W3Global Inc Sacramento, United StatesJob Description · Job DescriptionLoan Processor: · Manage the loan processing workflow from application to funding, ensuring timely and accurate processing of loan applications. · Review loan documentation and verify borrower information, collateral details, and financial docume ...
-
Home Loan Advisor
1 week ago
Golden 1 Credit Union Sacramento, United StatesGENERAL DESCRIPTION: · The Home Loan Advisor - External will proactively solicit new residential mortgage loans to meet established loan quality and production goals. They will develop and maintain a strong network of business relationships to ensure a recurring source for mortg ...
Senior Commercial Loan Underwriter - Sacramento, United States - Golden 1 Talent Acquisition Team
Description
Responsible for the evaluation of commercial loan applications to determine credit risks have been appropriately identified and mitigated, in compliance with applicable state and federal regulations, and credit union standards.
This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program when appropriate.
Communicate well supported recommendation (approval, counteroffer, suspense, denial) to applicable approver within the department.TASKS, DUTIES, FUNCTIONS:
Underwrite commercial and industrial, commercial real estate, and small business loan requests and generate approval memorandums adhering to Credit Union policy and procedures.
Compare items such as liquidity and profitability with other companies of same industry, size, and geographic location for commercial customers.
Coordinate with Commercial Loan Officers with the loan process by analyzing the current credit and financial information of individuals or firms (e.g., credit reports, tax returns, financial statements, etc.) to determine the degree of risk involved in extending credit.
Use independent judgment to identify risks and mitigants, prepare offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength, and financial worthiness of loan/transaction parties.
If relevant, performs ongoing credit risk management for assigned portfolio.Uphold a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to ensure that information meets agency and credit union requirements.
Organize and prioritize daily workload to ensure compliance to credit union policy, procedures, and established turnaround times.Cross Train to support other underwriting and credit analyst positions as needed.
Interact with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates.
Evaluate Commercial Loan Guidelines to ensure they are aligned with the risk appetite of Golden 1 Credit Union as evidenced by the portfolio's performance.
Ability to execute independent judgement on key decisions impacting the business lending unit.Support supervisor or manager with training of staff members.
Performs other duties as assigned.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
Effective oral and written communication skills required to interact with members, staff, vendors, servicers, and various regulatory agencies.
Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
INTERNAL:
All levels of Staff/Management/Members/Third Parties.
EXTERNAL:
Member Applicants and their related agents such as their CPA or Broker.
QUALIFICATIONS:
EDUCATION:
Bachelor's degree or equivalent experience.
EXPERIENCE:
7-10 years minimum of commercial loan experience with a financial or banking institution performing underwriting or credit analysis functions.
KNOWLEDGE/SKILLS:
Experiential knowledge of commercial lending requirements, all commercial loan products, commercial loan fulfillment, credit union policies and all applicable federal and state laws and regulations.
Exceptional member service and member relations skills.
Exceptional oral and written communication skills.
Ability to manage multiple tasks and demands, to work independently with minimal supervision, and to meet deadlines and effectively adjust to changing priorities.
Strong analytical, organizational skills and attention to detail.Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.
Knowledge of generally accepted accounting principles.
Demonstrated ability to work independently and interact collaboratively and cultivate partnerships across the organization.
Ability to effectively communicate policy/procedures to staff to assist the supervisor and or manager with training.
PHYSICAL REQUIREMENTS:
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Hearing within normal range. A device to enhance hearing will be provided if needed.
Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
Travel by car and/or public conveyance. May include overnight scheduling.
Occasional long work hours may be required to accomplish tasks.
LICENSES/CERTIFICATIONS:
A valid California driver's license and a clear driving record are required.
THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE.
HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES.
#J-18808-Ljbffr