Overview As a Commercial Underwriter at UnitedHealth Group/Optum, you analyze and underwrite commercial loan requests to help build a solid, well-risked credit portfolio. You'll collaborate with portfolio managers, underwriters, and credit staff to present findings and recommendations. The role combines financial analysis with regulatory knowledge, covenant testing, and portfolio monitoring, all in a remote-friendly setting with team support and development opportunities.
Compensation / Benefits- comprehensive benefits package
- incentive and recognition programs
- equity stock purchase
- 401k contribution
- telecommuter policy
- remote-work flexibility
Responsibilities- Analyze new commercial loan requests and perform periodic reviews of existing loans
- Assess financial statements and overall credit risk for loans
- Take lead in presenting analysis and recommendations to Portfolio Managers and the Credit team
- Determine risk ratings for analyzed loans
- Ensure compliance with policies, guidelines, procedures, and regulations
- Conduct covenant compliance testing for existing loans in the portfolio
- Analyze and document loan modification requests
- Assist with portfolio management and monitoring
- Build and maintain relationships with internal and external clients
- Support special projects and other duties as assigned
Key requirements- 2+ years of experience analyzing business and personal financial statements for loan requests
- 2+ years of experience underwriting commercial loans including commercial real estate
- Knowledge of FDIC and other regulatory rules and requirements
- Strong communication and presentation abilities
- Relationship-building with internal and external clients
- Team collaboration and training support
- Financial statement analysis
- Credit risk assessment
- Covenant testing
