Dexian · 8 hours ago
VP Commercial Loan Underwriter
Santa Rosa, CA
Full-time
Onsite
Senior Level
$100K/yr - $120K/yr
7+ years expDexian is a leading provider of staffing, IT, and workforce solutions, and they are seeking a VP, Senior Commercial Loan Underwriter responsible for comprehensive underwriting of complex commercial loan requests. The role involves analyzing borrower financial strength, structuring credit facilities, and overseeing construction loan administration while mentoring junior credit analysts.
ConsultingHuman ResourcesInformation TechnologyProfessional ServicesStaffing Agency
Hiring Manager
Ulhas Zope
Responsibilities
Evaluate commercial loan requests from origination to closing. Analyze financial statements, tax returns (business and personal), cash flow, debt service coverage (DSCR), leverage, and liquidity to determine borrower risk
Prepare detailed credit memorandums and credit analyses for presentation to Bank credit authorities. Recommend appropriate financial covenants and loan structures
Review and interpret third-party reports, including appraisals, environmental assessments, valuations, and title reports. Verify the accuracy of all application data and collateral values
Assess business models, industry trends, and management strength to perform thorough risk assessments. Ensure all loans comply with Bank policies, state/federal regulations, and program rules
Manage the construction lending process, including the creation and maintenance of budget spreadsheets and the coordination of draw funding with Loan Operations
Perform comprehensive analysis and qualification of General Contractors
Coordinate and monitor construction progress via third-party inspectors
Collaborate directly with Lenders and borrowers to resolve issues, clarify financial data, and facilitate timely closing of loans
Provide leadership, training, and mentoring support to Credit Analysts within the department
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, Business, or a related field
Minimum of 7 years of Commercial Real Estate & Business Loan underwriting experience
Requires at least 3 years of specific experience in the Senior Housing sector and experience with bond financing structures
Proficiency in financial modeling, ratio analysis, stress testing, and sensitivity analysis
Experience with loan origination systems (Baker Hill preferred) and strong Excel skills
Excellent written and verbal communication skills, with the ability to create clear, well-reasoned credit memos
Ability to work independently in-office with minimal supervision, managing multiple transactions in a fast-paced environment
This role requires a minimum of 10 hours of CRA-qualified volunteer service annually
Benefits
CRA Volunteer Program: We differ from other banks by paying our employees to give back. This role requires a minimum of 10 hours of CRA-qualified volunteer service annually. Volunteer hours are typically scheduled during business hours and are fully compensable, with mileage reimbursement provided.
Company
Dexian
Dexian provides services for staffing, talent development, and consulting, with a focus on technology, finance, and project management.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mahfuz Ahmed
Chairman of the Board
Vikram Motiani
Managing Director
Recent News
2025-11-19
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