Commercial Underwriter

About This Role

The Commercial Banking Underwriter serves as a critical control within the bank's credit risk management framework and is responsible for the independent risk assessment of commercial loan requests. This role provides objective evaluation of creditworthiness, preparing comprehensive credit memoranda that identifies risk factors and exceptions to credit policy, and makes recommendations on credit decisions.

Qualifications

• Bachelor's degree, required or MBA, preferred from a college or university
• Demonstrated knowledge of commercial loan structures, underwriting principles, credit policy and procedures, accounting principles, and regulatory expectations
• Ability to apply sound underwriting judgment using financial analysis, credit policy interpretation, and product knowledge, including SBA lending concepts, to appropriately identify and mitigate risk
• Strong analytical, reasoning, and problem-solving skills with the ability to assess complex credit scenarios, identify risks, and recommend appropriate mitigants
• Proven ability to work independently while collaborating effectively with internal partners to meet deadlines in a fast-paced environment
• Highly developed written and verbal communication skills, with the ability to clearly document credit decisions and communicate recommendations to stakeholders
• Demonstrates strong organizational, prioritization, and time management skills, with consistent attention to detail and accountability for results
• Exhibits sound judgment, professionalism, and discretion; demonstrates initiative, resourcefulness, and self-motivation; and maintains a team-oriented approach while managing multiple competing priorities

About Us

Be a part of a growing company that is truly committed to its employees and clients. Consider joining the First Bank family. As a member of our family, you are part of one of the largest independent banks in the U.S. We are proud of our growth and success over the past 100 years and look forward to a bright and promising future.

Diversity

Diversity At First Bank one of our biggest strengths is the diversity of our people. Our mission is to capitalize on the diversity of our associates and promote personal and professional development throughout every area of the organization. We encourage diversity by actively seeking employees from various backgrounds, walks of life, and job skills.