Underwriter (Life) jobs in Santa Rosa, CA

Underwriter (Life) reviews medical, occupational, financial, and legal information to select or reject individual or group life insurance applications. Calculates rates and premiums from approved decrement tables. Being an Underwriter (Life) may have contact with the field force for information on which to base decisions. May require a bachelor's degree. Additionally, Underwriter (Life) typically reports to a supervisor or manager. The Underwriter (Life) works on projects/matters of limited complexity in a support role. Work is closely managed. To be an Underwriter (Life) typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Commercial Underwriter/Senior Commercial Underwriter
  • Exchange Bank
  • Santa Rosa, CA FULL_TIME
  • Responsible for contributing to high quality loan growth by analyzing, underwriting, recommending and approving credit requests generated by Calling Officers. Assist with monitoring and managing existing loan portfolio to minimize credit losses and maintain compliance with loan policies and procedures. The quality, completeness and accuracy of a credit approval is of utmost importance to ensure sound lending decisions. Will assist with monitoring and managing existing loan portfolio to minimize credit losses. Specific experience with Commercial Underwriting (C&I) is sought for this role.

    Loan Underwriting: 90%

    • Analyze, structure, and underwrite loan requests and renewals, including commercial loans/lines, SBA, commercial real estate and other wholesale loan products.
    • Utilize financial statements, credit reports, industry data, appraisals and legal documentation to develop a comprehensive financial and risk assessment for prospective and existing customers.
    • Demonstrated ability to independently underwrite and structure small-to-medium size Commercial, SBA, and/or Real Estate loans which may include presentations to loan committee.
    • Work closely with credit officers and account officers to negotiate loan terms and accompany account officers on customer calls when necessary.
    • Assists with training of new or less experienced underwriters and analysts.
    • May be assigned a portfolio of problem loan customers, and/or small-to-medium size customer relationships.
    • Interact with credit officers, loan officers, branch staff, appraisal staff, legal staff, customers and other related Bank personnel regarding issues of credit quality, loan structure, pricing, risk grading and loan documentation.
    • Recommend or approve loans within delegated lending authority.
    • Provide guidance and consultation on lending policies, procedures, pricing and structuring.
    • Ensure compliance with federal and state regulations, as well as bank policies and procedures.
    • Work with Loan Service Center to order loan documentation and coordinate delivery of all required forms and information.
    • Participate as a proactive Credit Administration team member and assist with loan portfolio monitoring, including annual reviews, loan covenant compliance, problem loan monitoring, and the development and execution of loan collection strategies.
    • Collaborate with Calling Officers on loan workout plan and preparation of quarterly watch reports.

    Sales: 10%

    • Identify sales opportunities during the underwriting process and make recommendations as needed for follow-up.
    • Follow-up with loan officers and/or customers to ensure satisfaction and cross-sell additional products.
    • Work with other departments to successfully complete the sales cycle.

    Minimum Qualifications

    Bachelor's degree in business administration or related field; or an equivalent combination of education and experience. Minimum 2 years' experience in credit analysis and servicing experience of small to mid-sized commercial, SBA, commercial real estate and/or construction loans. For the Senior Commercial Underwriter role, minimum 5-7 years' experience in commercial and C&I experience as an underwriter.

    Knowledge, Skills and Abilities

    • Knowledge of commercial underwriting, lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis, and financial projection modeling.
    • Knowledge of underwriting policies and procedures for Commercial Real Estate including appraisal methods, and environmental due diligence practices.
    • Knowledge of bank regulations, income tax accounting, finance and economics.
    • Knowledge of underwriting policies, procedures, and eligibility requirements for SBA loans.
    • Skills operating a personal computer with word processing, spreadsheet and presentation software.
    • Must be highly organized and detail oriented with strong qualitative and analytical skills.
    • Sound business writing and grammar skills.

    Physical Requirements

    Office Worker: Ability to stand, bend, stoop, sit, walk, twist and turn. Ability to lift up to 15 pounds occasionally. Indoor office work environment with a majority of time sitting at a desk.

    Compensation

    The hiring range for this position is $81,000 to $127,000 per year. The compensation offered will fall within this range commensurate with the candidate's applicable experience, education and skills.

  • 1 Month Ago

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New York Life Accelerated Path to Management Program
  • New York Life
  • Santa Rosa, CA FULL_TIME
  • New York Life Accelerated Path to Management Program Are you looking for a job where you can use your experience to propel your career into management? At New York Life, we will invest in you from the...
  • 3 Days Ago

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ILS Life Skills Coach
  • Spread Your Wings, LLC.
  • Calistoga, CA FULL_TIME
  • INDEPENDENCE - WE LIVE IT, WE VALUE IT, WE TEACH IT!BEING INDEPENDENT IS WHAT WE ARE ALL ABOUT.OUR ILS COACHES PROVIDE SUPPORT AND TEACH THE SKILLS NECESSARY FOR BEING INDEPENDENT TO ADULTS WITH DISAB...
  • 23 Days Ago

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Head of Spiritual Life
  • #Kendal
  • Healdsburg, CA FULL_TIME
  • About Enso VillageEnso Village is a Zen-inspired community with a focus on mindful aging, the joys of nature, sustainability and contemplative life and care for adults 60 . Enso Village is a collabora...
  • 24 Days Ago

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Life Enrichment Assistant
  • Front Porch
  • Santa Rosa, CA FULL_TIME
  • Spring Lake Village JOB SUMMARY Assists the Life Enrichment Director to ensure the implementation of the Front Porch Vitality Initiative by planning and carrying out comprehensive programming, activit...
  • 14 Days Ago

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Life Insurance Sales Representative
  • The Tran Agency
  • Santa Rosa, CA FULL_TIME
  • The Spencer Tran Agency, proudly partnered with Symmetry Financial Group, is actively looking for people to mentor for our insurance sales positions. Someone who is confident, ambitious, goal-oriented...
  • 16 Days Ago

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0 Underwriter (Life) jobs found in Santa Rosa, CA area

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Remote Sales Representative - Work From Home
  • Symmetry Financial Group
  • Santa Rosa, CA
  • Job Description Overview: We are seeking a highly motivated and results-driven Life Insurance Sales Representative to jo...
  • 3/28/2024 12:00:00 AM

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SBL COMMERCIAL LENDER - Colorado
  • Summit State Bank
  • Santa Rosa, CA
  • Description Summit State Bank is a Community Bank whose core values are based on making a positive impact on our employe...
  • 3/28/2024 12:00:00 AM

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Area Sales Manager
  • InsuraTec Services Group
  • Fairfield, CA
  • Area Sales Manager Location: Remote Are you a motivated individual looking for a challenging yet rewarding opportunity i...
  • 3/27/2024 12:00:00 AM

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Universal Banker - Universal Member Service Representative
  • Self Help
  • Vallejo, CA
  • ** Universal Banker - Universal Member Service Representative** **Job Category****:** Branch **Requisition Number****:**...
  • 3/27/2024 12:00:00 AM

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Property and Casualty Insurance Agent
  • Perfect Timing Personnel Services
  • Petaluma, CA
  • Job Description Job Description Property and Casualty Insurance Agent- Hybrid- 2 days onsite (Tuesday and Thursday) and ...
  • 3/26/2024 12:00:00 AM

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Insurance Inspector-Loss Control
  • Insurance Risk Services, Inc.
  • San Rafael, CA
  • Entrepreneurs Wanted! Are you tired of working for someone else? Have you thought about building a business for yourself...
  • 3/25/2024 12:00:00 AM

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Remote Sales Representative Work From Home Part Time Full Time
  • Symmetry Financial Group
  • Santa Rosa, CA
  • Job Description As a Remote Sales Specialist, you'll be responsible for promptly contacting exclusive in-house leads to ...
  • 3/25/2024 12:00:00 AM

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Remote Sales Associate - Part-Time & Full-Time Opportunities Available!
  • Symmetry Financial Group
  • Santa Rosa, CA
  • Job Description Are you ready to take charge of your career in sales? The Spivey Agency is seeking motivated individuals...
  • 3/25/2024 12:00:00 AM

According to the United States Census Bureau, the city has a total area of 41.50 sq mi (107.5 km2), of which 41.29 sq mi (106.9 km2) is land and 0.205 sq mi (0.5 km2) (0.49%) is water. The city is part of the North Bay region, which includes such cities as Petaluma, Rohnert Park, Windsor, and smaller cities as Sonoma, Healdsburg, Sebastopol. It lies along the US Route 101 corridor, approximately 55 miles (89 km) north of San Francisco, via the Golden Gate Bridge. Santa Rosa lies on the Santa Rosa Plain. The city's eastern extremities stretch into the Valley of the Moon, and the Sonoma Creek wa...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Underwriter (Life) jobs
$57,870 to $71,909
Santa Rosa, California area prices
were up 2.5% from a year ago

Underwriter (Life) in Pittsburgh, PA
The underwriter has a challenging task in reviewing this material and making tough decisions regarding information to include or exclude, and the weight to apply to specific data.
March 03, 2020
Underwriter (Life) in Lynchburg, VA
Underwriting is the lengthiest part of the life insurance application process.
February 09, 2020
Life insurance underwriting is where your premiums, approval or denials are established.
January 25, 2020
Underwriter (Life) in Charlotte, NC
The main responsibility of an underwriter is to approve and adjust insurance policies.  So, just how does that translate into a day-to-day job.
January 11, 2020