Credit Clerk, Sr. jobs in Utah

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 Underwriter or Portfolio Manager will be responsible for reviewing and underwriting loan requests to help the bank build, maintain, and accurately risk grade its solid credit portfolio. This will involve working closely with analysts, underwriters, portfolio managers, and credit administration. Underwriters and Portfolio Managers own the recommendation phase of new loan requests and annual reviews.

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

 
Primary Responsibilities: 

• Underwrite new commercial loan requests and perform periodic reviews on existing commercial loans
• Create credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies 
• Analyze and document loan modification requests 
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function
• Ensure that loan files and documentation are complete
• Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication 
• Assess and recommend risk ratings for underwritten loans 
• Assist with portfolio management and monitoring 
• Develop and maintain positive relationships with internal and external clients
• Assist with updating and monitoring credit policies and procedures 
• Assist in training and mentoring less experienced credit team members

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: 

• 5 years of experience analyzing business and personal financial statements associated with loan requests 
• 5 years of experience underwriting commercial loans, including commercial real estate loans
• 3 years of experience making or recommending credit decisions on transactions > $3 million 
• 3 years of experience underwriting commercial real estate loans and reviewing loan documents 

 
Preferred Qualifications: 

• Completion of a formal commercial credit training program
• Experience working in a credit or lending role with a commercial bank
• Healthcare industry experience
• 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, or Washington 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.