Senior Commercial Credit Underwriter, Denver, CO

About the role

You will underwrite and structure commercial credit deals that matter to Colorado businesses. You will deliver clear, risk-focused recommendations. You will also help modernize underwriting through smarter tools, automation, and practical process improvements.

Responsibilities

• Underwrite local and custom commercial credit requests generally over $5 million, including renewals, modifications, refinances, new money requests.
• Analyze complex C&I relationships, including multi-entity borrowers, trusts, guarantor support, global cash flow, complex structures, collateral monitoring, covenants, policy exceptions, and transactions requiring tailored structuring or elevated credit review.
• Evaluate borrower performance and repayment capacity, including cash flow adequacy, collateral support, industry conditions, management quality, and key risk mitigants.
• Evaluate borrowing base, equipment, real estate, and other collateral-supported transactions.
• Prepare concise, risk-focused credit presentations for transactions requiring elevated approval authority.
• Manage a pipeline that includes both recurring portfolio requests and more complex new or expanded credit opportunities.
• Partner with Relationship Managers to ensure deal structuring is sound and credit packages are complete.
• Present and support recommendations to approval authorities and committees, including joint presentations with the Relationship Manager when needed.
• May function as a lead underwriter and provide second-level review support.
• Support modernization initiatives in credit workflow, tools, and help scale best practices across the team.
• Ensure requests are processed in accordance with bank policy, banking regulations, and applicable laws.

Qualifications

• Requires a Bachelor’s in Finance, Business, Accounting or a related field and 4+ years of commercial credit, business banking underwriting, spread analysis, lending, practices, procedures, or other directly related experience.
• Extensive knowledge of commercial and/or business banking credit underwriting, spread analysis, lending concepts, underwriting practices and procedures.
• Strong working knowledge of C&I loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Extensive working knowledge of balance sheets, income, and cash flow statements.
• Strong understanding of commercial lending policies and procedures and general banking laws and regulations.
• Ability to analyze complex financial information, business plans, credit reports, debt service coverage, leverage, liquidity, collateral support, and loan-to-value information, to develop well-supported underwriting conclusions.
• Possess strong judgment and the ability to make sound decisions.
• Ability to accept responsibility and handle confidential information.
• Must have strong customer relations and communication skills, both verbal and written.
• Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
• Extensive working knowledge of various related software applications, including spreadsheets, word processing, and other applicable tools.

Benefits

• Mental health benefits including coaching and therapy sessions
• Tuition reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products