Commercial Credit Underwriter III - New Money CRE/C&I
Core
Analyzes, underwrites, and acts as final decision authority on commercial loan applications for less complex loans/industries/customers, ensuring compliance with lending guidelines and regulations.
Role type
Senior Commercial Credit Underwriter (CRE/C&I)
Builds
Commercial loan portfolios for businesses and real estate entities
Domain
Banking / Commercial Lending
Deliverable
Production ML models | product features | dashboards & analysis | client delivery | infrastructure
Required skills
Financial analysis, cash flow analysis, guarantor investigation, credit risk mitigation, ratio & trend analysis, regulatory compliance, loan structuring, SBA/agency lending knowledge
Preferred skills
Prior lending authority, mentorship experience, SBA/agency experience, accounting practices knowledge
Technologies
Spreadsheet software, word processing, credit bureau software, business bureau reports
Responsibilities
Conduct credit investigations and analyze financial information, underwrite loans and perform historical business financial analysis, investigate guarantor financial positions and construct cash flow analysis, identify credit applications requiring enhancements, render final credit decisions within authority limits, mentor underwriting staff, maintain portfolio delinquency levels
Seniority
Senior, hands-on IC with mentorship responsibilities