Commercial Credit Underwriter (TX, NC, SC ONLY)
About The Position
The Commercial Credit Underwriter is responsible for underwriting and analyzing commercial credit requests to support sound lending decisions and portfolio quality. This role evaluates borrower financial strength, cash flow, collateral, and credit risk for a broad range of commercial relationships—including Commercial & Industrial (C&I) and Commercial Real Estate (CRE) transactions—in accordance with Bank policy and regulatory requirements. The Underwriter works closely with Relationship Managers, Commercial Bankers, Commercial Credit Supervisor and the Senior Credit Officer to structure credit requests, identify risks, and recommend appropriate mitigants, while supporting strong customer relationships and consistent credit standards.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field
- 3–7 years of commercial credit underwriting experience
- Experience underwriting C&I and/or CRE loans.
- Strong working knowledge of financial statement and cash‑flow analysis
- Solid understanding of credit risk management principles and regulatory expectations
- Knowledge of credit, financial analysis, structuring, underwriting, portfolio management and analytical skills, including financial accounting, modeling, and loan structuring.
Nice To Haves
- Familiarity with credit platforms such as Moody’s Analytics, Sageworks, and/or nCino preferred.
Responsibilities
- Analyze commercial credit requests, including new loans, renewals, modifications, and annual reviews.
- Evaluate borrower financial statements, tax returns, cash flow, collateral, and guarantor support.
- Identify key credit risks and recommend appropriate risk mitigants and loan structures.
- Prepare clear, well‑supported credit memorandums with approval recommendations.
- Assign and support accurate internal risk ratings.
- Ensure compliance with Bank credit policy and regulatory standards.
- Collaborate with Relationship Managers, Commercial Bankers, Commercial Underwriter Supervisor and Senior Credit Officers to structure transactions and resolve credit questions.
- Manage assigned underwriting pipeline to meet service-level expectations.
- Perform other related duties as assigned.
Benefits
- Affordable Medical, Dental and Vision coverage
- Outstanding 401k – Employer match up to 5%
- Paid Volunteer Hours
- Accrued Paid Time Off (PTO) & Paid Holidays
- Life Insurance and Long-Term Disability (company paid)
- Continuing Education Opportunities
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
