Senior Commercial Loan Underwriter

Who You Are

You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated.

What You’ll Do

• Underwrites and analyzes complex commercial credit relationships, including commercial real estate, commercial and industrial loans, term loans, lines of credit, participation loans, SBA loans, and other commercial lending products.
• Partners directly with Commercial Loan Officers to obtain required financial and supporting documentation, evaluate loan requests, structure transactions, and facilitate timely credit decisions.
• Identifies, gathers, and analyzes financial and non-financial information to assess credit risk, evaluate sources of repayment, and determine appropriate loan structures.
• Reviews and analyzes borrower and guarantor financial statements, tax returns, cash flow analysis, projections, collateral information, credit history, and other supporting documentation to determine creditworthiness and repayment capacity.
• Evaluates loan structure, collateral sufficiency, risk factors, and loan terms while developing recommendations that align with Credit Union lending standards.
• Prepares detailed written credit memorandums outlining borrower background, financial analysis, transaction structure, risk factors, stress testing results, collateral analysis, proposed terms, and risk rating recommendations.
• Reviews and approves credit requests within delegated lending authority and provides recommendations on credit requests that exceed individual authority limits.
• Participates in lending approval committee presentations and provides support to Commercial Loan Officers during the approval process.
• Provides credit expertise and support to Commercial Loan Officers throughout the loan process, from initial request through approval, closing, and ongoing portfolio monitoring.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.

Essential Functions

• Underwrites and analyzes complex commercial credit relationships, including commercial real estate, commercial and industrial loans, term loans, lines of credit, participation loans, SBA loans, and other commercial lending products.
• Partners directly with Commercial Loan Officers to obtain required financial and supporting documentation, evaluate loan requests, structure transactions, and facilitate timely credit decisions.
• Identifies, gathers, and analyzes financial and non-financial information to assess credit risk, evaluate sources of repayment, and determine appropriate loan structures.
• Reviews and analyzes borrower and guarantor financial statements, tax returns, cash flow analysis, projections, collateral information, credit history, and other supporting documentation to determine creditworthiness and repayment capacity.
• Evaluates loan structure, collateral sufficiency, risk factors, and loan terms while developing recommendations that align with Credit Union lending standards.
• Prepares detailed written credit memorandums outlining borrower background, financial analysis, transaction structure, risk factors, stress testing results, collateral analysis, proposed terms, and risk rating recommendations.
• Reviews and approves credit requests within delegated lending authority and provides recommendations on credit requests that exceed individual authority limits.
• Participates in lending approval committee presentations and provides support to Commercial Loan Officers during the approval process.
• Provides credit expertise and support to Commercial Loan Officers throughout the loan process, from initial request through approval, closing, and ongoing portfolio monitoring.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit documentation prepared by other team members and provides feedback to support accuracy, consistency, and adherence to credit policy.
• Provides guidance on complex transactions and serves as a subject matter expert for commercial underwriting practices and credit risk considerations.
• Serves as a senior resource to the Commercial Underwriting Team by providing guidance, training, and mentorship to underwriters and credit analysts.
• Reviews underwriting analysis and credit