Hybrid Commercial Credit Underwriter | Remote WFH

Job Overview

We are on the lookout for a meticulous and experienced Commercial Credit Underwriter to become a vital part of our innovative Credit Analysis team. In this pivotal role, you will be responsible for underwriting a diverse array of complex commercial real estate, commercial, and industrial loans, ensuring our decisions align with our rigorous lending standards.

Key Responsibilities

• Underwriting Loans: Evaluate the financial status, repayment ability, and associated risks of both new and existing commercial real estate and business loans, particularly focusing on intricate requests.
• Cash Flow Analysis: Conduct thorough analysis of real estate and global cash flow, alongside assessing the financial condition of guarantors.
• Financial and Industry Analysis: Analyze financial statements, develop projections, and perform industry assessments to inform business loan decisions.
• Collaboration: Partner closely with lending officers and other departments to gather essential information crucial for underwriting evaluations.
• Compliance: Guarantee adherence to our internal credit policies and relevant regulatory requirements.
• Training: Attend the annual training program to stay abreast of evolving industry practices and policies.
• Additional Responsibilities: Undertake other tasks as required to facilitate team objectives.
  
  

Required Skills

• Advanced proficiency in Microsoft Office Suite (Word, Excel, PowerPoint) and financial spreadsheet applications.
• Comprehensive understanding of underwriting processes for commercial real estate, business loans, and specialized loan types, including SBA, Asset-Based, and Construction loans.
• Familiarity with state and federal banking compliance regulations.
• Exceptional verbal and written communication skills, capable of engaging effectively across various organizational levels.
• Outstanding organizational abilities, complemented by a strong attention to detail.
• Robust analytical and problem-solving skills to identify and address challenges effectively.
• Advanced mathematical capabilities for accurate financial calculations, including interest, commissions, percentages, and balances.
  
  

Qualifications

• A Bachelor’s degree in Business, Finance, or a relevant discipline, or equivalent professional experience.
• A minimum of 7 years of experience as a Credit Underwriter with a focus on Commercial & Industrial (C&I), Commercial Real Estate (CRE), and Asset-Based Lending (ABL).
  
  

Career Growth Opportunities

We are committed to fostering your professional development through comprehensive training programs that keep you updated with industry trends and practices, thus enabling you to advance your career within the credit underwriting field.

Company Culture And Values

Our organization values a collaborative and supportive work environment where team members are encouraged to contribute towards shared goals. We prioritize attention to detail and lifelong learning, empowering our employees to thrive.

Networking And Professional Opportunities

Joining our Credit Analysis team will not only allow you to significantly influence the lending process but also provide numerous opportunities for networking and collaboration within a dynamic professional environment.

Compensation And Benefits

• Competitive salary, complemented by performance-based bonuses.
• Generous Paid Time Off (PTO) and a flexible Hybrid Work Model (combination of remote and on-site work).
• Tuition Reimbursement for ongoing education.
• Paid Parental Leave.
• Comprehensive medical, dental, and vision plans.
• 401(k) retirement savings plan.
• Life insurance and supplementary insurance options.
• Coverage for Short-Term and Long-Term Disability.
  
  

Employment Type: Full-Time