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Archwest Capital

Loan Underwriter

Archwest Capital, Irvine

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Essential Functions

  • Underwrite business purpose bridge or construction loans in compliance with credit guidelines.
  • Review loan files for completeness, identify missing documentation, and approve borrower background.
  • Collaborate with Sales, Processors, Managers and Closers to communicate guideline requirements and finalize loan scenarios.
  • Must be able to prioritize time sensitive deadlines.
  • Manage pipeline of 60+ loans with efficiency and accuracy.
  • Analyze valuations for accuracy, risk and detail review of comparable market sales.
  • Participate in weekly pipeline meeting.
  • Identify and evaluate strengths, mitigating factors, and weaknesses of the loan request and escalate risks and issues.
  • Prepare and submit exception memos for scenarios falling outside guidelines.
  • Perform duties and responsibilities specific to department functions and activities.
  • Performs other duties and responsibilities as required or assigned by Manager.


Competencies/Skills

  • Strong attention to detail with the ability to stay organized and problem solve in a fast-paced environment.
  • Ability to articulate issues, problem solve and analyze with creative and outside of the box thinking.
  • Strong communication skills (written and verbal) with internal and external partners; ability to convey findings in a concise and comprehensive manner.
  • Effective organization and time management skills.
  • Capability to build trusting relationships internally and externally and elicit confidence by demonstrating reliability.
  • Strong team player with the ability to work effectively in a cooperative and diverse environment.
  • Capacity to analyze processes, support change and think operationally and strategically to achieve business goals.
  • Proven ability to partner with clients to identify business challenges and effective strategies/alternatives to mitigate them.
  • Highly self-motivated and self-directed.
  • Advanced use of Microsoft Office Suite with emphasis on advanced excel skills.
  • Financial analytical analysis with math and general accounting knowledge.


Education and Experience

  • 2 years’ experience underwriting business purpose and/or multifamily, commercial lending.
  • 2 years’ experience reviewing guarantor and borrower background reports, valuation analysis, including entity documentation to determine ownership and borrower structure.
  • 5 years of analytical experience within financial services, commercial banking, or business purpose lending.


Accessibility

At Archwest, we will make reasonable accommodations to enable individuals with disabilities to perform essential functions. Please just let us know by contacting us at