Commercial Real Estate Credit Underwriter
Core
Analyze financial data and prepare loan presentations for commercial real estate and commercial & industrial loans of $1 million and up to determine appropriate credit levels and risk ratings.
Role type
Commercial Credit Underwriter
Builds
Commercial loan approvals and risk assessments for business banking clients
Domain
Banking / Commercial Real Estate Finance
Required skills
quantitative analysis, financial statement analysis, covenant compliance testing, risk assessment, independent judgment, time management, Microsoft Office proficiency
Preferred skills
formal credit training (ABA, RMA), knowledge of commercial underwriting principles
Technologies
Microsoft Office, financial spreadsheets
Responsibilities
Collect and analyze borrower financial information (income, assets, debts); prepare 10-25 page written presentations for new loans and renewals; present findings and recommendations to SVPs or Loan Committees; monitor existing loans for covenant compliance and financial deterioration; interact with lenders and customers to evaluate creditworthiness; take ownership of loan portfolio to prevent delinquency and charge-offs.
Seniority
Mid-level (2-3 years experience required)