Commercial Loan Underwriter

About the role

If you thrive on financial analysis, strategic decision-making, and building strong business relationships, this role is for you. At First Commerce Credit Union, we're committed to being our members' financial partner for life - and our commercial underwriters play a critical role in supporting local businesses and strengthening our communities.

Responsibilities

• Perform in-depth analysis of commercial loan requests - reviewing financial statements, tax returns, cash flow, and credit reports to determine repayment ability and overall creditworthiness.
• Evaluate collateral, including appraisals, title reports, leases, and other supporting documentation to ensure adequate loan security.
• Use your expertise to assess risk through detailed financial modeling, ratio analysis, projections, and stress testing.
• Review legal and organizational documents, ensure loan documentation accuracy, and support loan officers with ongoing portfolio management, including annual reviews.
• Take a leadership role by supporting underwriting staff, providing training and guidance, and assisting with complex or high-value credit relationships.
• Stay up to date on lending policies, regulatory requirements, and industry best practices ensuring compliance and consistent decision-making across the organization.

Requirements

• Bachelor's degree in finance, business, or a related field (or equivalent experience)
• 5+ years of experience in commercial underwriting or credit analysis
• Strong analytical, financial modeling, and decision-making skills
• In-depth knowledge of commercial lending, credit evaluation, and loan structuring
• Excellent communication and collaboration skills with the ability to influence and guide others
• Familiarity with lending regulations and compliance requirements, including fair credit practices
• Able to manage multiple priorities and work effectively across all levels of the organization
• Proficiency in Microsoft Office and lending systems

Qualifications

• Strong analytical, financial modeling, and decision-making skills
• In-depth knowledge of commercial lending, credit evaluation, and loan structuring
• Excellent communication and collaboration skills with the ability to influence and guide others
• Familiarity with lending regulations and compliance requirements, including fair credit practices
• Able to manage multiple priorities and work effectively across all levels of the organization
• Proficiency in Microsoft Office and lending systems

Skills

• Strong analytical, financial modeling, and decision-making skills
• In-depth knowledge of commercial lending, credit evaluation, and loan structuring
• Excellent communication and collaboration skills with the ability to influence and guide others
• Familiarity with lending regulations and compliance requirements, including fair credit practices
• Able to manage multiple priorities and work effectively across all levels of the organization
• Proficiency in Microsoft Office and lending systems

Benefits

• Competitive compensation aligned with performance
• Health, dental, and vision insurance to keep you and your family covered
• 401(k) with company match to help you build your future
• Generous PTO and paid holidays so you can recharge and enjoy life
• Employee assistance programs for life's unexpected moments
• Ongoing professional development to keep you sharp
• Clear advancement opportunities within a growing organization
• A supportive team environment where your voice matters

Pay

• Competitive compensation aligned with performance

Schedule

• Full-time position