Commercial Credit Underwriter III - C3 New Money
Core
Analyzes, underwrites, and acts as final decision authority on commercial loan applications for C&I customers with exposures in the $1-5MM space, ensuring compliance with lending guidelines and regulations.
Role type
Senior Commercial Credit Underwriter
Builds
Commercial loan portfolios for existing and prospective clients
Domain
Commercial Banking / Credit Risk
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Financial analysis, cash flow analysis, guarantor investigation, credit risk mitigation, regulatory compliance, ratio and trend analysis, industry research, loan structuring, SBA agency decision-making, mentoring
Preferred skills
Prior lending authority, SBA/Agency experience, accounting practices knowledge
Technologies
Credit bureau reports, business bureau reports, spreadsheet software, word processing
Responsibilities
Conduct credit investigations and analyze financial information for commercial exposures up to highest authority limits; Underwrite loans and perform historical business financial analysis and cash flows; Investigate available sources of credit and research economic and market conditions; Note deviations from loan policy and identify/mitigate key credit risks; Render final credit decisions based on collateral, financials, and ability to repay; Set conditions of lending and expedite loan closings; Mentor underwriting staff and participate in their development.
Seniority
Senior, hands-on IC with mentorship responsibilities