Introduction Gateway Bank, FSB is a federally chartered savings bank headquartered in Oakland, California, with a strong history of serving the San Francisco Bay Area since beginning operations in 1990. With offices in Oakland's Chinatown and Walnut Creek, the Bank is deeply rooted in the communities it serves and is committed to providing personalized banking solutions to individuals and businesses. Gateway Bank combines local decision-making with a relationship‑driven approach, fostering a collaborative and supportive work environment. Join our team and be part of an organization that values integrity, community impact, and professional growth as we continue to serve and strengthen the communities, we call home. Overview The Commercial Banking Analyst/Underwriter supports the commercial lending team by analyzing financial information, assessing credit risk, preparing loan underwriting packages, and assisting with portfolio management activities. This position plays a key role in evaluating commercial loan requests, monitoring existing relationships, and supporting compliance with bank credit policies and applicable regulatory requirements. The analyst works closely with Commercial Relationship Managers, Credit Administration, and Loan Operations to support safe and profitable lending decisions. Essential Duties and Responsibilities Credit Analysis and Underwriting

• Analyze business and personal financial statements, tax returns, interim financial reports, and cash flow information.
• Assist in evaluating commercial loan requests for working capital, equipment, owner-occupied real estate, investment real estate, and other business lending needs.
• Prepare written credit memorandums and underwriting analyses for review by senior credit officers.
• Calculate and analyze key credit metrics, including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt-to-worth, global cash flow, liquidity, and leverage ratios.
• Identify strengths, weaknesses, risks, and mitigating factors associated with credit requests.
• Assist in determining appropriate loan structures, collateral requirements, and covenant recommendations. Portfolio Management
• Support ongoing monitoring of commercial loan relationships.
• Review annual financial statement updates and covenant compliance.
• Assist with risk rating reviews and portfolio quality assessments.
• Track financial reporting requirements and document exceptions.
• Help identify emerging credit concerns and escalate issues appropriately. Loan Documentation and Administration
• Help ensure loan packages are complete and meet bank policy requirements.
• Assist in coordinating appraisals, environmental reports, title work, insurance reviews, and other due diligence items.
• Work with Loan Operations and documentation staff to facilitate loan closings.
• Maintain accurate credit files and electronic records. Relationship Support
• Participate in client meetings as appropriate.
• Respond to requests for financial information and loan status updates.
• Build an understanding of customers' industries, operations, and financing needs. Compliance and Risk Management
• Adhere to bank credit policies, underwriting standards, and applicable regulatory requirements.
• Maintain familiarity with commercial lending regulations and industry practices.
• May assist in preparation for internal audits, loan reviews, and regulatory examinations. Qualifications Education
• High School Diploma required. Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field preferred. Experience Desired
• Experience in commercial banking, credit analysis, lending, accounting, or financial services a plus.
• Relevant internships in banking or finance are preferred. Knowledge, Skills, and Abilities
• Ability to interpret financial statements and tax returns.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communication skills.
• Strong attention to detail and organizational abilities.
• Proficiency in Microsoft Office Suite required, especially in Excel and Word. Experience with financial spreading software preferred.
• Ability to manage multiple priorities and meet deadlines.
• Strong customer service orientation and professional demeanor.
• Ability to travel for customer visits, property inspections, or training. Preferred Qualifications
• Experience with commercial credit underwriting software.
• Familiarity with SBA lending or commercial real estate lending.
• Knowledge of banking regulations and loan documentation processes. Benefits
• Subsidized Medical, Dental, & Vision
• Basic Life/Accident Death and Disbursement Insurance, Long-term Disability Insurance
• Employee Assistance Program
• Commuter Benefits
• 401k Retirement Savings Plan
• Paid Vacation & Sick days; 11 paid Holidays per year

Location :

Walnut Creek, CA Job Type:

Full-time No Recruiters. No Visa Sponsorship. Salary may vary depending on multiple factors including but not limited to skill set, depth of work experience, education, relevant licenses/credentials, and geographic location.

Note:

The duties and responsibilities listed are typical examples of work performed by the position and are not designed to contain or be interpreted as a comprehensive list of all duties, tasks, and responsibilities. Employees may also perform other duties as assigned. EOE, including disability/vets. Job candidates must be legally eligible to work in the United States. Gateway Bank, FSB is committed to ensuring that our online application process provides an equal opportunity to all job seekers, including individuals with disabilities. If you believe you need reasonable accommodation in order to search for a job opening or submit an employment application, please email us at hr@gatewayfsb.com Please note your Request for an Accommodation on emails subject line. Other inquiries will not be addressed at this email. We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the requirements of Section 19 of the Federal Deposit Insurance Act.

Pay:

$70,000.00 - $80,000.00 per year Application Question(s): Will you need visa sponsorship at any time?

Education:

High school or equivalent (Required)

Work Location:

In person