Senior Credit Underwriter - Remote at Optum

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

The Senior Credit Analyst is experienced in credit analysis and will be responsible for assisting in the review and underwriting of loan requests to help the bank build, maintain, and accurately risk grade its solid credit portfolio. This will involve working closely with other analysts by assisting with training, underwriters, portfolio managers, and credit administration. 

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities: 

• Analyze new small business and commercial loan requests and perform periodic reviews on existing commercial loans  
  
• Conduct analysis of financial statements and assess overall credit risk of new and existing loans 
  
• Complete quarterly and annual covenant compliance testing for existing loans in the portfolio  
  
• Take lead role in presenting analysis, findings, and recommendations to Portfolio Managers, Underwriters, and other members of the Credit team including Senior Leadership
  
• Analyze and document loan modification requests 
  
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit team functions  
  
• Assess and recommend risk ratings for analyzed loans 
  
• Assist with portfolio management and monitoring 
  
• Develop and maintain positive relationships with internal and external clients 
  
• Assist with training and mentoring of other analysts 
  
• Assist with special projects and complete other duties as assigned 
  

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

• 3+ years of experience analyzing business and personal financial statements for loan applications and formal credit training 
• 3+ years of experience underwriting commercial and small business loans  
• Experience working with third party vendors and geographically remote borrowers 
• Experience making or recommending significant financial decisions and to identify, assess and manage risk affecting loans 
• Knowledge of loan documentation, lending laws, loan transaction procedures, portfolio monitoring, and loan servicing needed 

Preferred Qualifications:

• Formal commercial credit training program 
• Experience working in credit or lending role with a commercial bank 
• Experience working out problem loans

*All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy.

California, Colorado, Connecticut, Hawaii, Nevada, New Jersey, New York, Rhode Island, Washington, Washington, D.C. Residents Only: The salary range for this role is $88,000 to $173,200 annually. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone–of every race, gender, sexuality, age, location and income–deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes — an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.

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