Location: Los Angeles, CA
Salary Range: $90,000 – $125,000
Industry: Banking / Commercial Lending

Position Overview

We are seeking a detail-oriented and analytical C&I Underwriter to join our commercial banking team in Los Angeles. This role plays a critical part in evaluating and underwriting complex commercial & industrial (C&I) loan requests, ensuring credit quality, regulatory compliance, and alignment with the bank’s risk appetite. The ideal candidate will have a strong understanding of credit risk, financial analysis, and lending structures, with the ability to collaborate across departments in a fast-paced environment.

Key Responsibilities

• Analyze financial statements, cash flow, collateral, industry conditions, and business operations for C&I lending opportunities.

• Structure and underwrite new and renewed loan transactions in accordance with internal credit policy and regulatory standards.

• Prepare comprehensive credit memorandums and present recommendations to the Credit Committee and senior credit officers.

• Support relationship managers with deal structuring, credit analysis, and client interactions.

• Perform risk assessments on existing credit portfolios and proactively monitor for potential deterioration.

• Ensure timely, accurate, and well-documented credit decisions.

• Partner with credit administration and loan operations to facilitate the booking and closing of approved deals.

• Stay current on market trends, industry developments, and regulatory changes that may impact credit quality.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (MBA or formal credit training preferred).

• 3–7 years of experience in commercial underwriting, preferably in C&I or middle-market lending.

• Strong analytical skills and proficiency in financial modeling, ratio analysis, and credit risk assessment.

• Solid understanding of loan structures, legal documentation, and collateral analysis.

• Excellent written and verbal communication skills with the ability to prepare and present clear, concise credit memos.

• Proven ability to work independently and as part of a collaborative team environment.

• Familiarity with regulatory frameworks such as OCC, FDIC, or FRB guidelines.

Why Join Us?

• Be part of a dynamic and growing commercial banking team in a key Southern California market.

• Contribute to meaningful, community-focused lending that supports local businesses and economic development.

• Enjoy competitive compensation, a strong benefits package, and opportunities for career advancement.