Commercial Underwriter I (Hybrid)

First National Bank of Williamson•Ft. Wright, KY

7d•Hybrid

About The Position

The Commercial Underwriter I supports the bank’s commercial lending activities by analyzing borrower financial information, evaluating credit risk, and preparing well-supported credit recommendations. This role underwrites routine commercial and commercial real estate credit requests, evaluates repayment capacity and collateral, and assists with ongoing monitoring of commercial relationships. The Commercial Underwriter I works closely with lenders, the Director of Lending, and Loan Servicing to support sound credit decisions, maintain strong credit quality, and ensure lending activities remain consistent with bank policy and regulatory requirements.

Requirements

Bachelor’s degree or equivalent experience in finance, accounting, business, or related field preferred.
2 years experience in credit analysis, commercial lending, accounting, audit, finance, or related field.
Knowledge of financial statement analysis, cash flow analysis, and commercial credit fundamentals.
Demonstrated understanding of commercial lending, loan structure, collateral, and credit risk.
Proficiency in Microsoft Office and ability to learn bank credit and financial analysis systems.
Ability to manage multiple priorities and meet deadlines.
High level of integrity, confidentiality, and accountability.

Nice To Haves

Strong analytical and critical-thinking skills.
Sound credit judgment and attention to detail.
Strong financial analysis and problem-solving abilities.
Clear written and verbal communication skills.
Strong collaboration with lenders, Loan Servicing, and bank leadership.

Responsibilities

Underwrite commercial loan requests, renewals, modifications, and extensions.
Analyze borrower and guarantor financial statements, tax returns, cash flow, credit history, collateral, and other financial information.
Evaluate overall credit risk and provide well-supported recommendations.
Prepare credit analysis, annual reviews, Deal Concept Memos, and other lending documentation as assigned.
Recommend appropriate risk ratings and identify adverse trends, policy exceptions, or emerging credit concerns.
Monitor commercial relationships, including financial reports, covenants, borrowing bases, & other requirements.
Work with Director of Lending, Lenders, and Loan Servicing to obtain documentation, resolve outstanding items, support timely loan decisions, portfolio monitoring, credit analysis, and other lending initiatives as needed.
Follow all lending, security, risk, and compliance protocols alongside bank policies and procedures.