Kforce Commercial Underwriter in Mountain View, California

A Kforce client is seeking a Commercial Underwriter in Mountain View, California (CA).Summary: They are looking for a Commercial Underwriter with operations experience to join the team. Candidate will be responsible for developing and leading the end to end underwriting work flow from both an operational and risk perspective. Candidate will also be expected to closely partner across the risk, compliance, marketing, product and operations teams to drive successful implementation. Responsibilities:

  • Evaluating Applications: Main focus will be to analyze customer's creditworthiness and make underwriting decisions; Using our proprietary models and your own underwriting expertise, candidate will analyze information provided in applications, credit bureau information and other third party data to determine whether to approve or decline applications

  • Improving Underwriting Process and Policy: Will work closely with our PM and PD teams to improve the underwriting process; Will also work to optimize the application and experience for customers, while identifying areas in need of further incremental improvement

  • Risk Model and Underwriting Policy Improvement: Will work closely with our risk modeling teams to strengthen our underwriting models and policies

  • With a compliance first attitude, identify issues, improve quality, and mitigate risk

  • 5 years of experience in commercial underwriting

  • 2 - 5 years - (2nd or 3rd job, seen one or two places already), ideally 4 - 5 years of experience, can work with a more Junior position

  • Financial services in general, any banks

  • Knowledge of financial statement components and solid understanding of key risk drivers

  • Strong communication skills with the ability to simply lay out the conclusions and reasons for each decision

  • Strong analytical skills with real credit awareness and a practical approach to implementing processes

  • Ability to constantly focus on the process and to develop and implement operational changes to improve efficiency and limit risk throughout the underwriting process

  • Excel advanced user, they will be using this as their workflow tool, working with Excel constantly, it is connected to multiple databases, pivot tables, formulas (creating basic formulas), understanding how the data gets there, manipulating data, understanding

  • Familiarity with QuickBooks and Salesforce (CRM) would be a plus

Kforce is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, protected veteran status, or disability status.Compensation Type:Hours