Skip to Main Content

Commercial Loan Underwriter/ Portfolio Manager

West Valley National Bank
Phoenix, AZ
  • Posted: over a month ago
  • Full-Time
  • Benefits: 401k, dental, life insurance, medical, vision,
Job Description

Provides credit analysis on new and renewal loan requests, including analyzing financial statements, tax returns and preparation of Credit Authorization Memorandums (CAMs). Monitor existing loan relationships to ensure financial reporting and loan covenants are being met. Identify trends in credit quality and suggest risk rating changes as appropriate. Determines if lending policies, practices and procedures are adequate and being followed. Reviews a percentage of the Bank’s loans for quality, accuracy, and regulatory compliance. Manages ongoing customer loan relationships.

ESSENTIAL DUTIES AND SPECIFIC JOB FUNCTIONS: (Include, but are not limited to the following. Other duties and responsibilities may be assigned):

  • Responsible for preparing detailed credit memorandums (CAM’s) outlining the credit facility structure, sources of repayment, collateral, etc…
  • Strong working knowledge and ability to spread Corporate and personal tax returns as well as financial statements
  • Must monitor portfolio, track loan covenants and suggest risk rating upgrades/downgrades as appropriate
  • Provides assessments of loan condition and quality;
  • Maintains a good working knowledge of the Bank’s lending policies and procedures, and identifies deviations from policy;
  • Provides credit analysis and underwriting on any existing or new loan requests;
  • Conducts periodic inspections of underlying collateral;
  • Assists the Credit Officer with various reports;
  • Should have experience underwriting C&I and Commercial Real Estate Loans.
  • Experience with government guarantee programs such as SBA/USDA is a plus;
  • Responsible for obtaining financial statements and other reporting requirements from borrower and guarantors.
  • Has access to confidential information. Protects the privacy and confidentiality of customers, other employees, and the Bank
  • Establishes and maintains strong customer relationships and trust in order to fully understand the small business customer’s needs and objectives


  • Bachelor’s Degree preferred;
  • Prior experience in the Banking/Credit industry;
  • Knowledge of Bank credit underwriting;
  • Experience with financial statement/Tax Return spreading software
  • Analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions;
  • Previous work experience in analyzing financial statements and underwriting processes.
  • Relationship management
  • Excellent writing skills
  • Excellent communication, listening and follow-up skills.


  • Financial Analysis;
  • Organization;
  • Inspection;
  • Multi-tasking;
  • Business/Office Skills.

West Valley National Bank

Why Work Here?
Great things happening at WVNB! This is your opportunity to join a growing team.


2111 E Highland ave

Phoenix, AZ


Finance and Insurance

View all jobs at West Valley National Bank

What email should the hiring manager reach you at?

By clicking the button above, I agree to the ZipRecruiter Terms of Use and acknowledge I have read the Privacy Policy, and agree to receive email job alerts.