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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 Commercial Underwriter 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.

This position is a hybrid role. Position in this function will be reporting at least 1 day onsite per week.

Primary Responsibilities:

• Analyze new 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

• Take lead role in presenting analysis, findings, and recommendations to Portfolio Managers, Underwriters, and other members of the Credit team

• Assess and recommend risk ratings for analyzed loans

• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit team functions

• Complete quarterly and annual covenant compliance testing for existing loans in the portfolio

• Analyze and document loan modification requests

• Assist with portfolio management and monitoring

• Develop and maintain positive relationships with internal and external clients

• 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:

• 2+ years of experience analyzing business and personal financial statements associated with loan requests

• 2+ years of experience underwriting commercial loans, including commercial real estate loans

• Proven knowledge of FDIC rules and regulations

• Ability to work in a hybrid work environment, with at least 1 day per week reporting to the Draper, UT office location

Preferred Qualifications:

• Completion of a formal commercial credit training program 

• Experienced in portfolio management

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.