Bank of the West SBA Underwriter in Sacramento, California

SBA Underwriter


What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Job Description Summary

Responsible for working closely with business development officers and/or agents, selling banks/financial institutions and borrowers and loan processors to approve and recommend SBA loan requests from a variety of industries and businesses using bank and government policies. Generally handles loan requests of moderate to high complexity.

Essential Job Functions

  • Spreads and analyzes business and personal financial data.

  • Utilizes sound credit underwriting skills to recommend a credit decision, and to prepare appropriate internal and external reports to obtain necessary bank and government agency approvals.

  • Approves loans within the prescribed limits of individual lending authority. Serves as contact officer on loans that exceeds individual lending authority.

  • Meets or exceeds all assigned production goals and objectives.

  • Negotiates, where necessary, the terms under which credit will be extended including the costs, repayment method and collateral requirements.

  • Develops support information and makes loan presentations to senior credit management, when requested. Follows up on loans submitted whether recommended for approval or declined.

  • Maintains excellent relationship and customer service with all clients, government partners and co-workers.

  • Maintains a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans which may include, but is not limited to, SBA loans, commercial real estate loans and construction loans.

Other Job Duties

  • Understands and promotes bank philosophies, personnel, products, services programs, campaigns and goals to staff and public.

  • Assists with special projects as needed.

  • LI-TW1



  • Bachelor's Degree Finance

Work Experience

  • 5 yrs "Requires advanced knowledge of job area typically obtained through advanced education combined with experience. May have practical knowledge of project management.Requires 5 years minimum prior relevant experience."


  • Strong understanding of small business and owner-occupied commercial and real estate lending as it pertains to underwriting and loan structuring.

  • Experience in financial statement analysis

  • Working experience in SBA and other government-assisted lending programs, with knowledge of the SBA standard operating procedures

  • Knowledge of commercial and real estate loan processing

  • Knowledge of personal computer software (Microsoft Office, including Word and Excel, and related software)

  • Excellent customer service skills

  • Strong verbal and written communication skills

  • Ability to work independently, organize and coordinate multiple tasks, and follow through to completion

  • Verbal and written communication and presentation skills

Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.

Job: Sales and Sales Related

Location: United States-California-Sacramento

Requisition ID: 038198