Commercial Loan Underwriter

As a Commercial Loan Underwriter at TBL Fund, your key responsibilities will include conducting in-depth financial analyses of loan applicants, preparing complete and organized loan packages, reviewing existing business loan accounts, and making insightful recommendations regarding credit decisions and loan structures. You will also collaborate with the Commercial Lending Team to create business proposal packages for potential clients, all while adhering to CDFI industry regulations and TBL Fund's policies.

To qualify for the Commercial Loan Underwriter role at TBL Fund, candidates should have at least 3 years of experience in underwriting commercial loans. A bachelor’s degree in accounting, finance, or a related field is essential. Familiarity with commercial underwriting software and experience in the clean energy industry will give you an added edge. Knowledge of lending policies and CDFI guidelines is also highly desirable.

Commercial Loan Underwriters at TBL Fund typically utilize specialized commercial underwriting software to streamline the loan analysis process. This technology aids in comprehensive financial assessments and document preparation, ensuring that all loan packages meet the required standards before presenting them to management and the loan committee.

Yes! TBL Fund offers the flexibility of remote work for the Commercial Loan Underwriter position, allowing you to perform your duties from anywhere within the United States. This approach promotes a healthy work-life balance while still engaging effectively with our collaborative team.

Joining TBL Fund as a Commercial Loan Underwriter comes with a host of benefits including a no-cost health, dental, and life insurance plan for employees, access to vision and short-term disability insurance, an immediate 403b retirement savings plan, and an unlimited PTO plan. We aim to provide a comprehensive compensation package that supports our team members’ well-being and personal growth.

In your response, articulate the steps you take, such as reviewing credit histories, assessing financial statements, and evaluating cash flow. Stress your attention to detail and analytical skills that help you identify the ability of applicants to fulfill their loan obligations.

Provide specific examples of software you've used and how it has improved your efficiency and accuracy in underwriting. If applicable, mention any training or certifications you have completed related to these tools.

Discuss your strategies for assessing risk factors, including conducting thorough analyses of the borrower’s financial situation, market conditions, and compliance with loan policies. Showcase your ability to balance risk with the opportunity for investment.

Express your commitment to continuous learning by mentioning relevant professional courses, webinars, publications you follow, and industry organizations you engage with. This demonstrates your proactive approach to remaining informed.

Share a specific example, detailing the situation, your analysis process, and the ultimate decision. Emphasize your critical thinking and problem-solving skills, as well as your ability to collaborate with others for resolution.

Discuss the importance of understanding the client's needs and ensuring that the loan proposal highlights the terms and conditions that best serve those needs. Explain how you would gather data and present it in a clear, persuasive manner.

Emphasize that collaboration is crucial in underwriting as it fosters communication between teams, ensuring that all relevant insights are considered. Mention how you have previously collaborated effectively to produce strong outcomes.

Describe your organizational skills and the systems/processes you incorporate to maintain thorough documentation. Highlight the importance of clarity, accuracy, and compliance in all loan documents.

Talk about your time management strategies and prioritization skills. Provide an example of a time when you successfully met a tight deadline while maintaining accuracy in your analysis.

Express your passion for helping communities through financial initiatives, your interest in the clean energy sector, or your desire to contribute to social equity. Show that you align your professional journey with meaningful goals.