Senior Commercial Real Estate Underwriter - Remote 2394169 | Draper, Utah | Remote

Senior Commercial Real Estate Underwriter - Remote Requisition number: 2394169 Job category: Banking & Financial Services Primary location: Draper, Utah Date posted: 10/07/2026 Overtime status: Exempt Travel: No Share this job Facebook X LinkedIn Email 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 inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together. You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week 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 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 Experience making or recommending credit decisions on transactions > $10 million Knowledge of commercial real estate financing, loan documentation, lending laws, loan transaction procedures, portfolio monitoring, and loan servicing Preferred Qualifications: Bachelor's degree in Finance, Accounting, Economics, or Business 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 Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer 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 us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable. 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 help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives. UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment Apply Internal apply Bookmark job Back to nav Benefits Our mission of helping people live healthier lives extends to our team members. Learn more about our range of benefits designed to help you live well. Life Resources and support to focus on what matters most to you, in every facet of your life. Emotional Education, tools and resources to help you reduce and manage stress, build resilience and more. Physical Health plans and other coverage to support wellness for you and your loved ones. Financial Benefits for today and to help you plan for the future, including your retirement. Learn more Back to nav Previous slide Being able to connect with so many people that all have the same goal in giving the best care possible is something truly special. Brooke G. Senior Pharmacy Technician At Optum, I receive the support, resources, and flexibility that I want so that I can be the best doctor possible while also finding personal and professional satisfaction. Dr. Conan T. Regional Chief of Primary Care We’re applying artificial intelligence to build something that can help people in their most distressed moments. The problems you work on here have an impact on someone’s life. Achala S. Senior Director and AI Architect Being able to connect with so many people that all have the same goal in giving the best care possible is something truly special. Brooke G. Senior Pharmacy Technician At Optum, I receive the support, resources, and flexibility that I want so that I can be the best doctor possible while also finding personal and professional satisfaction. Dr. Conan T. Regional Chief of Primary Care We’re applying artificial intelligence to build something that can help people in their most distressed moments. The problems you work on here have an impact on someone’s life. Achala S. Senior Director and AI Architect Being able to connect with so many people that all have the same goal in giving the best care possible is something truly special. Brooke G. Senior Pharmacy Technician Next slide Go to slide 1 Go to slide 2 Go to slide 3 Back to nav We’re honored to be recognized for our exceptional work culture