Underwriter (P/C) jobs in Modesto, CA

Are you ready to dive into the dynamic world of commercial loan underwriting? Oak Valley Community Bank is seeking an experienced and qualified Commercial Loan Underwriter for our Oakdale or Roseville location. If you’re passionate about financial analysis, credit decisions, and shaping the future of lending, this role might be your perfect fit!

What You’ll Be Doing

As a Commercial Loan Underwriter, you’ll be at the heart of our lending operations. Here’s a glimpse of what your day-to-day will look like:

1. Analyzing Financials: You’ll roll up your sleeves and dive into personal and business tax returns, financial statements, and other relevant data. Your keen eye for detail will help evaluate commercial/business requests in alignment with our loan policy.

2. Crafting Narratives: Numbers tell a story, but narratives bring them to life. You’ll prepare financial spreads and loan narratives that support credit decisions. Your ability to communicate complex financial information in a clear and compelling manner will be crucial.

3. Structuring Loans: Working closely with our lending personnel, you’ll determine the most appropriate loan structure for our clients. Your expertise will help tailor loan terms to meet their unique needs while minimizing risk.

4. Team Collaboration: As part of our tight-knit team, you’ll inform fellow team members of loan decisions and recommendations. Your insights will guide our lending strategies and ensure we’re making sound choices.

5. Appraisal Review: Commercial appraisals are your bread and butter. You’ll review them meticulously, ensuring they align with our standards and contribute to informed lending decisions.

What We’re Looking For

Our ideal candidate brings a mix of experience, education, and passion to the table:

• Education: A high school diploma or General Education Degree (GED) is essential. If you hold a Bachelor’s degree or equivalent, even better!

• Experience: You’ve got 3-5 years of commercial loan underwriting experience under your belt. Lending and financial analysis are your playground, and you thrive in this space.

Why Join Us?

At Oak Valley Community Bank, we’re more than just a bank—we’re a community. Here’s why you’ll love being part of our team:

• Quality Service: We’re committed to delivering top-notch service to our clients. As a Commercial Loan Underwriter, you’ll play a pivotal role in ensuring our clients’ financial needs are met.

• Growth Opportunities: We believe in investing in our team. You’ll have opportunities to learn, grow, and make an impact. Your career trajectory is in your hands.

• Diverse Environment: We celebrate diversity and inclusion. Our team is made up of individuals with varied backgrounds and experiences, and we value each unique perspective.

So, if you’re ready to embark on an exciting journey in commercial loan underwriting, apply now! Oakdale or Roseville—take your pick, and let’s shape the future of lending together.