Commercial Loan Underwriter II

2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

Join Us in Making an Impact
At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it!

Who You Are
You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together.

What You’ll Do This position will be located at our Corporate Office:2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

Maintains business member relations. Provides information on credit union business products and services to current and potential business members according to all credit union policies and procedures and both Federal and State rules and regulations. Performs analysis of financial statements, cash flows, and tax returns to evaluate the financial position of the borrower and/or guarantor(s). Maintains a thorough knowledge of credit union policy and operating procedures.

Demonstrates the ability to liaison between multiple credit union departments. Operates within credit authority. Examines, evaluates, prepares Credit Requests and authorizes or recommends approval of member applications for business loans by performing the following duties. Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.

Essential Functions

• Interviews members requesting refinance or loan re-write
• Gathers background information on members applying for business loans by interviewing applicants
  and obtaining needed financial exhibits. Assists members with the loan applications process as needed.
• Ensures that sound analysis and lending procedures are followed.
• Negotiates terms and conditions
• Acts in compliance with the credit union's Business Lending policies and procedures at all times.
• Ensures that all NCUA, ASBD, and credit union policies and procedures are followed.
• Cross-sells lending and other credit union products and services.
• Facilitates and reviews prepared loan documentation vs. requirements; assists borrower in loan closing.
• Review commercial loan applications and analyze credit information to make a general assessment of applicant’s creditworthiness. Determine whether or not the proposed loan will conform to the credit union’s lending policy.
• Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk rating, ensuring conformity with credit union policy and procedures and with applicable banking regulations.
• Review construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other information to assess risks associated with the credit union’s collateral position. Continue to develop knowledge of appraisal theory and approaches to values.
• Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk rating, ensuring conformity with credit union credit policy and procedures and with applicable banking regulations.
• For CRE loans, conduct in-depth review of rent rolls, leases, balance sheets, income statements and tax returns presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt.
• For C&I loans, conduct in-depth review of balance sheets, income statements, cash flow…