Senior Commercial Underwriter

Wilson Bank & Trust•Lebanon, TN

7h•Onsite

About The Position

If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you. Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees—through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here—feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

Requirements

Bachelor’s degree in business, accounting, finance or related field
7 years of experience in a related role
Advanced skills with Microsoft Office to include Excel
Solid ability to read, analyze, and interpret personal and business financial statements and related tax returns
Ability to apply technical knowledge and expertise to department policies and procedures
Ability to work on multiple projects simultaneously while accomplishing daily tasks
Effective verbal and written communication skills with strong presentation skills
Excellent interpersonal skills
Critical thinking, problem solving and analytical skills
High standards for integrity, honesty, professionalism, and work ethic
Commitment to service excellence
Ability to work independently while demonstrating excellent organization and follow through
Demonstrate flexible and efficient time management and ability to prioritize workload
Ability and willingness to work with purpose and a strong sense of urgency
Self-motivated, positive, and enthusiastic
Self-starter with a strong desire to exceed expectations
Maintain confidentiality discretion
Ability to effectively work in collaboration with others to achieve business objectives
Willing to grow and be challenged

Nice To Haves

5 years of banking experience preferred

Responsibilities

Prepare loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy
Communicate with lenders and loan assistants regarding incomplete loan requests, assisting with resolution as needed
Assign loan requests to credit analysts for financial spreading, cash flow modeling, and comprehensive analysis
Mentor credit analysts regarding loan structure and methodology
Review underwriting analyses prepared by analysts and underwriters to verify accuracy, consistency, and adherence to Bank credit policy
Communicate with lenders and credit analysts regarding incomplete underwriting analyses, assisting with resolution as needed
Serve as a senior technical resource for complex commercial credit requests and loan structures
Partner with Relationship Managers, Credit Administration team, and senior leadership to support timely and well-supported credit decisions
Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness
Maintain strong internal controls and examination preparedness within the underwriting function
Consult with lending team members and provide guidance regarding the commercial underwriting process and loan policy interpretation
Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures
Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
Attend training as requested
Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
Participate in outside community activities as required
Perform other duties as assigned