23h ago

Commercial Underwriter II

San Diego, CA

$75k-$103.9k / year

full-timemid Hybridfinance

๐Ÿ’ผ About This Role

You'll independently evaluate commercial loan applications, applying sound underwriting judgment and financial statement analysis to assess risk and structure deals. This role deepens your expertise in a fast-paced lending environment that values accountability and collaboration.

๐ŸŽฏ What You'll Do

  • Analyze financial documents and bank statements to evaluate creditworthiness.
  • Assess financial health via cash flows, liquidity, profitability, and leverage.
  • Review credit and background reports to identify risks.
  • Prepare underwriting recommendations based on established criteria.

๐Ÿ“‹ Requirements

  • Bachelor's degree in Finance, Business, Economics, or Accounting.
  • 4-6 years of experience in finance, banking, underwriting, or similar.
  • Strong working knowledge of financial statement analysis.
  • Ability to interpret complex financial data.

โœจ Nice to Have

  • Experience in small business or commercial lending.
  • Understanding of small business lending dynamics.

๐ŸŽ Benefits & Perks

  • ๐Ÿฅ Comprehensive medical, vision, dental
  • ๐Ÿก Hybrid work schedule
  • ๐Ÿ’ฐ 401K with matching contributions
  • ๐ŸŒด Generous PTO and paid parental leave
  • ๐Ÿ‹๏ธ Gym membership contribution

๐Ÿ“จ Hiring Process

Estimated timeline: 2-4 weeks ยท AI estimate

  1. 1Recruiter Phone Screenยท 30 min
  2. 2Hiring Manager Interviewยท 45 min
  3. 3Technical/Credit Assessmentยท 60 min

๐Ÿšฉ Heads Up

  • Cover letter highly encouraged but not required; may add friction.
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