Senior Commercial Credit Underwriter

Key Responsibilities

• Underwrite new and existing commercial loan requests, including C&I, commercial real estate (owner-occupied and investor), construction, and participation loans
• Perform comprehensive financial analysis, including:
• Spreading and analyzing business and personal financial statements
• Cash flow and global debt service coverage analysis
• Collateral and loan-to-value analysis
• Industry, borrower, and guarantor risk assessment
• Identify and document policy exceptions, mitigating factors, and credit risks
• Prepare clear, concise Credit Approval Memos (CAMs) and underwriting narratives for submission to appropriate approval authorities
• Recommend deal structure, loan terms, covenants, and conditions to mitigate risk
• Partner with Relationship Managers throughout the loan lifecycle, from application through closing
• Review appraisals, environmental reports, and third-party documentation as applicable
• Support loan closing by reviewing final documentation and ensuring credit approval conditions are met
• Monitor portfolio performance and covenant compliance, as assigned

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field
• 3–5+ years of experience in commercial credit underwriting, credit analysis, or commercial lending
• Strong understanding of common commercial loan products, credit structures, and documentation
• Advanced financial statement and cash flow analysis skills
• Working knowledge of banking regulations and credit risk management principles
• Experience preparing and presenting credit memoranda to approval committees preferred

Skills

• Strong analytical, problem-solving, and decision-making skills
• Excellent written and verbal communication abilities
• High attention to detail and strong organizational skills
• Ability to manage multiple priorities in a fast-paced environment
• Proficiency in Microsoft Excel and Word; experience with loan origination or core banking systems preferred