Mountain America Credit Union · 3 days ago
Business Lending Portfolio Underwriter
Sandy, UT
Full-time
Onsite
Entry, Mid Level
2+ years expMountain America Credit Union is seeking a Business Lending Portfolio Underwriter to structure, analyze, and underwrite less complex loans in accordance with various regulations. The role involves preparing credit recommendations and ensuring compliance with lending policies while supporting team members in delivering excellent member service.
BankingFinancial ServicesMortgage
Hiring Manager
Flo Walker , PHR
Responsibilities
Underwrites traditional commercial loans; prepares credit presentations, documenting credit analyses and recommendation for credit decision to approving authority
Prepares timely, concise and accurate credit recommendations with supervision. Includes: (1) quantitative components within the underwriting narrative; (2) accurate use of risk rating scoring matrix, both quantitative and qualitative rating elements, to ensure loans are properly risk-rated; and (3) accurate identification and mitigation of risk, including all policy exceptions, procedures and compliance regulations
Has a general understanding of underwriting processes per MACU standards
Understands and demonstrates good written communication relating to credit presentations, addendums and other related forms of written communication
Analyzes repayment ability including business and personal cash flow
As applicable, performs financial ratio analysis comparative to industry standards
Performs financial stress testing analysis
Reviews and interprets personal and, as applicable, business credit reports
Prepares commitment letters
Reviews professional commercial real estate appraisals and associated third party reviews
Reviews professional environmental reports and assesses environmental risk
Analyzes commercial leases and or rent rolls
Assists with satisfying loan closing requirements
Reviews annual financials on existing loans and analyzes the risks associated with the borrower's financial condition, recommending risk-rating changes where appropriate
Ensures regular communication through the origination process with loan officers, management and team members
Supports team members to ensure excellent member service both internally and externally
Manages up to three loan requests at a given time
Works together with team members to accomplish monthly, quarterly and annual goals
Maintains working knowledge of MACU policies and procedures, adhering to industry lending regulations
Performs other duties as assigned
Qualification
Required
Two years underwriting experience in a progressive financial setting or two years of CRE Lending operational experience
Bachelor's degree from an accredited institution in business, finance, economics or related field or equivalent related lending/financial experience
Experience with financial reporting or tax analysis software
Intermediate skills with Microsoft Office Suite including Outlook, Word, and Excel
Ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
Ability to present information in a manner appropriate for key stakeholders and all levels of the organization
Strong writing and grammatical skills relating to preparing credit memos, addendums, memorandums, and all forms of written communication
Unquestioned personal and professional integrity
Ability to work both autonomously and collaboratively in a fast-paced environment
Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
Adaptive to change, responds positively to altered circumstances or conditions
Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc
Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies
Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.)
Ability to sit, talk and hear consistently
Ability to stand, walk, and use hands to handle or reach occasionally
Close vision (clear vision at 20 inches or less)
Distance vision (clear vision at 20 feet or more)
Ability to lift up to 10 pounds occasionally
Company
Mountain America Credit Union
Mountain America Credit Union is a member-owned, full-service financial institution.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Chad Curtis
EVP/Chief Financial Officer
Nathan Anderson
Executive Vice President/Chief Operating Officer
Recent News
2026-01-06
2025-12-24
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