Middle Market Underwriter
Core
Analyzes and evaluates customer credit information for new and renewal Middle Market credit requests, including working capital, asset-based lines, commercial real estate loans, and equipment financing for enterprises with revenues over $5 million.
Role type
Middle Market Underwriter
Builds
Credit recommendations, risk ratings, and loan structures for commercial clients.
Domain
Banking / Commercial Lending
Required skills
Commercial credit analysis, financial statement spreading (Moody's Risk Analyst), risk rating scoring models, regulatory compliance (BSA, Reg CC, Reg E), loan coding, covenant calculation
Preferred skills
Coaching/mentoring, relationship expansion tools, specialty lending types
Technologies
Excel, Word, Moody's Risk Analyst
Responsibilities
Analyze business, industry, and financial data to identify key risks; prepare quantitative and qualitative credit recommendations; monitor borrower financial performance and covenant adherence; partner with Relationship Managers on customer calls and product approvals; maintain knowledge of bank policies and regulations.
Seniority
Mid-level, individual contributor