Commercial Underwriter Senior (Equipment Finance)

Accountabilities

• Underwrite a broad range of commercial lending products, including complex transactions, while maintaining appropriate credit risk and return standards.
• Review, analyze, and evaluate new deal packages to ensure accuracy, completeness, and alignment with credit policies and underwriting standards.
• Partner with business development teams to provide consultative credit guidance throughout the proposal and transaction process.
• Analyze financial statements, cash flows, collateral values, and business performance trends to assess creditworthiness.
• Gain a deep understanding of customer businesses, including factors influencing growth, operational challenges, and financial performance.
• Manage the complete underwriting lifecycle from initial review through approval, documentation, and closing.
• Prepare detailed credit narratives and approval documentation for internal review committees and decision-makers.
• Review due diligence materials, customer reporting requirements, and transaction documentation.
• Collaborate with customers, legal teams, and internal stakeholders to resolve documentation requirements and support successful closings.
• Conduct customer visits and management discussions when required for larger transactions.
• Support portfolio quality by identifying risks, opportunities, and financial trends.
• Mentor and provide guidance to analysts and less experienced team members.
• Adapt quickly to evolving systems, processes, and business requirements.

Requirements

• Bachelor’s degree in a related field or equivalent combination of education and professional experience.
• 5+ years of relevant commercial underwriting, credit analysis, or equipment finance experience.
• Strong understanding of commercial lending principles, credit risk assessment, and financial analysis.
• Experience reviewing financial statements, analyzing cash flow, and evaluating collateral.
• Able to interpret business performance trends and make informed credit recommendations.
• Customer-focused mindset with the ability to build strong relationships with internal and external stakeholders.
• Excellent communication, collaboration, negotiation, and influencing skills.
• Able to manage multiple priorities while maintaining accuracy and meeting deadlines.
• Comfortable working independently and taking ownership of underwriting decisions.
• Able to quickly learn and navigate various technology platforms, systems, and procedures.
• Strong attention to detail and commitment to maintaining high-quality underwriting standards.

Benefits

• Competitive annual salary range of approximately $104,000-$174,000, based on experience, skills, qualifications, and location.
• Annual performance-based incentive opportunity.
• Flexible hybrid and remote work options.
• Health insurance benefits.
• 401(k) retirement savings plan.
• Life insurance coverage.
• Short-term and long-term disability benefits.
• Paid time off and employee wellness support.
• Opportunity to work in a purpose-driven organization focused on expanding financial access and economic opportunity.
• Collaborative culture that values innovation, inclusion, and professional growth.