Middle Market Commercial Underwriter

Location: Fully onsite in Irvine, California at 17901 Von Karman Avenue, Suite 1200, Irvine, CA 92614.

Salary: $75,000–$130,000 per year, with potential performance-based incentive compensation.

Company

hirify.global provides commercial banking and lending services for business customers.

What you will do

• Analyze and evaluate new and renewal C&I and CRE credit requests, including working capital lines, asset-based lines, commercial real estate loans, and equipment financing.
• Prepare concise credit recommendations with quantitative analysis, dual risk ratings, loan coding, and identification of policy, guideline, and compliance exceptions.
• Spread business and personal financial statements, calculate covenants, monitor borrower performance, and support resolution of covenant violations.
• Collaborate with Portfolio Managers, Commercial Portfolio Managers, Client Solutions Managers, and Commercial Relationship Managers to structure loans and support credit approvals.
• Participate in customer and prospect calls, clarify financial information, identify customer needs, and support ancillary product approvals.
• Maintain compliance with bank policies, procedures, training requirements, and applicable banking regulations.

Requirements

• 2–4 years of commercial credit analysis or underwriting experience, or equivalent.
• Intermediate accounting knowledge and experience analyzing commercial credit, term loans, commercial real estate, or specialty lending.
• Experience spreading company and personal financial statements, including tax returns, using Moody’s Risk Analyst or a comparable tool.
• Knowledge of bank credit policies, procedures, practices, documentation, and risk-rating processes.
• Strong written, verbal, interpersonal, and presentation skills.
• Proficiency with Microsoft Word, Excel, PowerPoint, and related business software.

Culture & Benefits

• Full-time employment with comprehensive healthcare coverage, including medical, dental, and vision plans.
• 401(k) retirement savings plan with employer match for qualifying contributions.
• Paid vacation, sick days, volunteer days, and holidays.
• Life and disability insurance, employee assistance, mental health resources, legal support, and identity theft protection.
• Tuition assistance, pet insurance, auto and home insurance, and access to an online discount marketplace.
• Occasional travel may be required.