Underwriter I - Direct Commercial Real Estate

This range is provided by Central Pacific Bank. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base Pay Range

$47,017.00 / yr - $61,122.00 / yr

Position Function

Assists CRELD loan officers with structuring, underwriting, and servicing of small to large size real estate loans to ensure the loans meet the Bank's quality targets, lending policies, and underwriting guidelines. Progressively handles more complex loans at more senior underwriter levels. Supports and assists with the lending team efforts and initiatives to generating new commercial mortgage, construction, and commercial loans and proactively managing customer relationships to meet loan runoff projections and deposit targets. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.

Primary Accountabilities

Production Activities

• Actively support the Team Leader and Loan Officer to review new loan requests from existing and prospective CRELD borrowers by providing underwriting support.
• Provide support for Loan Officers efforts to generate new commercial mortgages and construction loans to meet annual production goals and objectives. Assist Loan Officers to proactively address upcoming loan requests.
• Review and analyze the borrower’s financial information and financial condition, order appraisal reports, order environmental reports, prepare guarantor global cash flows, and access other internal and external sources of information.
• Recommend appropriate loan structures to meet the needs of both the customer and the Bank and assist in resolving any issues.
• Prepare Credit Approval Memorandums with clear, concise, and timely loan request presentations reviewing the strengths, weaknesses and potential risks of the credit to document the underwriting decision and supporting rationale to ensure the loan meets the Bank’s loan quality targets, lending policies, and lending guidelines.
• Review tickler inputs, and coordinate with the Documentation Specialists on items needed to be sent to Documentation Center for booking.
• For loan draw requests, review construction loan draws and inspection reports and review line draws for approval and any applicable collateral releases.
• Actively participate in Bank-sponsored community events.
• In the absence of the Loan Officer, manage the Loan Officer’s responsibilities along with a Team Leader / Loan Officer in the Lending Team.

Portfolio Management

Minimum Qualifications

Education

Experience

Physical Requirements & Working Conditions

We are proud to be an EEO / AA employer M / F / D / V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing.

Seniority Level

Mid‑Senior level

Employment Type

Full‑time

Job Function

Finance and Sales

Industry

Banking

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