Senior Commercial Real Estate Underwriter - Remote Job Draper Utah USA,Finance & Banking

Improve the lives of others while Caring. Connecting. Growing together.

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities.

Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.

You'll enjoy the flexibility to work remotely
* from anywhere within the U.S. as you take on some tough challenges.

For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week

Primary Responsibilities:

Underwrite new commercial loan requests and perform periodic reviews on existing commercial loans
Create credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies
Analyze and document loan modification requests
Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function
Ensure that loan files and documentation are complete
Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication
Assess and recommend risk ratings for underwritten loans
Assist with portfolio management and monitoring
Develop and maintain positive relationships with internal and external clients
Assist in training and mentoring less experienced credit team members

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

5+ years of experience analyzing business and personal financial statements associated with loan requests
5+ years of experience underwriting commercial loans, including commercial real estate loans
Experience making or recommending credit decisions on transactions > $10 million
Knowledge of commercial real estate financing, loan documentation, lending laws, loan transaction procedures, portfolio monitoring, and loan servicing

Preferred Qualifications:

Bachelor's degree in Finance, Accounting, Economics, or Business
Formal commercial credit training program
Experience working in credit or lending role with a commercial bank
Experience working out problem loans

* All employees working remotely will be required to adhere to United Health Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives.

The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Final date to receive applications:

This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come…