Team Lead, New Loan Underwriting

Endeavor Bank has a diverse range of business clientele that are centered in San Diego and across the greater Southern California market. The Team Lead supports a group of Commercial Loan Underwriters to carry out the Bank’s mission to deliver tailored lending solutions with a strong emphasis on credit quality, risk management, and responsiveness, all with a consultative approach. The Team Lead role is responsible for managing a team of Commercial Loan Underwriters that focus primarily on underwriting new loan originations for both new and existing clients. The Team Lead plays a critical role in overseeing complex underwriting assignments, ensuring high-quality credit analysis, maintaining underwriting timelines, and facilitating collaboration between Relationship Managers and Credit Administration. The Team Lead will be responsible for daily management of the team’s loan pipeline, including ensuring complete data input, timely uploading of loan documents, and preparation of loans for storage in Synergy. The Team Lead will conduct weekly pipeline meetings with team members to assess underwriting progress, address bottlenecks, ensure accountability to internal timelines, and identify underwriting red flags. Team Management Responsibilities The Team Lead will generate and distribute key reports such as the open loan pipeline, active covenant tracking, and maturing loan reports to maintain portfolio visibility. The Team Lead is responsible for assigning new loan requests to team members within 24 hours of receiving the signed proposal and facilitating the discussion between Relationship Managers and Underwriters within 48 hours of assignment. Staff Development and HR Responsibilities The Team Lead is accountable for ensuring team members are properly trained and held to performance expectations, including quarterly performance reviews, timecard and time-off approval, and administration of performance improvement plans as needed. Underwriting and Credit Responsibilities The Team Lead is expected to directly underwrite complex commercial loans across all loan types for both new and renewal loan requests, including preparing detailed Loan Approval Memorandums (LAMs) that incorporate full financial analysis, business background, risk identification, industry/market analysis, collateral review, and covenant recommendations. Qualifications Minimum 5+ years of experience in commercial loan underwriting, including C&I and CRE transactions Prior leadership or mentoring experience preferred Strong understanding of financial statements, credit analysis, loan structuring, and regulatory frameworks Excellent written and verbal communication skills, with the ability to present complex credit issues clearly and confidently Proficiency in Microsoft Office Suite; familiarity with ncino and Salesforce strongly preferred Bachelor’s degree in Finance, Accounting, Business, or a related field; formal credit training preferred Strong organizational skills and ability to manage multiple priorities in a fast-paced environment Self-motivated, collaborative, and detail-oriented with a commitment to excellence What We Offer Competitive salary range: $120,000 - $140,000 annually

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