Senior Commercial Underwriter

Wilson Bank & Trust•Lebanon, TN

About The Position

The Senior Commercial Underwriter prepares commercial loan requests for intake by reviewing them for completeness, concentration risk, and compliance with Bank credit policy. The position reviews underwriting analyses for accuracy, consistency, and policy adherence, and serves as a senior technical resource for complex commercial credit requests and loan structures. It coordinates with credit analysts, lenders, Relationship Managers, the Credit Administration team, and senior leadership to support timely, well-supported credit decisions. The role also helps improve underwriting processes, maintain internal controls and examination readiness, and provide guidance on the commercial underwriting process and loan policy interpretation. It reports to the Commercial Underwriting Manager and supports team members and customers while demonstrating the company’s values and mission.

Requirements

Bachelor’s degree in business, accounting, finance, or a related field.
Seven years of experience in a related role.
Advanced skills with Microsoft Office, including Excel.
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 manage multiple projects while completing daily tasks.
Effective verbal and written communication skills, including strong presentation skills.
Excellent interpersonal skills.
Critical thinking, problem-solving, and analytical skills.
High standards of integrity, honesty, professionalism, and work ethic.
Commitment to service excellence.
Ability to work independently with strong organization and follow-through.
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 approach.
Self-starter with a strong desire to exceed expectations.
Ability to maintain confidentiality and discretion.
Ability to collaborate effectively with others to achieve business objectives.
Willingness to grow and be challenged.

Nice To Haves

Five years of banking experience preferred.

Responsibilities

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