Commercial Underwriter II

Overview

This is a remote role and may be hired in AZ, KA,OR, NM, NV, or TX.

The Commercial Underwriter II supports the commercial lending team by underwriting commercial portfolios at an advanced level of complexity. The role provides guidance on structuring, servicing, and analysis for both new and renewal credits. Responsibilities include identifying, gathering, and reviewing financial information to determine borrower risk ratings and appropriate loan structuring, as well as assessing and communicating risks to support department risk mitigation strategies.

The position also provides service and support to associates and clients, participating in client calls and potentially assisting with identifying cross-sales opportunities. The role may support special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group.

Responsibilities

• Underwriting
  • Underwrite commercial credit actions according to applicable regulations, procedures, and guidelines.
  • Review financial statements, communicate with clients or prospects, and perform analysis to recommend borrower risk ratings and appropriate loan structuring.
  • Ensure all involved parties are updated on underwriting progress and outcome.
  • Provide guidance to less experienced underwriters on underwriting procedures and information needs.
• Analysis
  • Source, compile, and interpret financial data to support structuring and approval of loans.
  • Review industry information and comparisons, key risks and mitigants, and collateral to form an overall business overview of the borrower.
  • Use analysis results to underwrite commercial loans.
• Risk Management
  • Identify risks through reviews, analysis, and research of new and existing commercial credit requests and relationships.
  • Work with bank associates and partners to resolve risk issues; communicate review schedules and potential changes in the commercial portfolio.
  • Assist with coordinating review and renewal schedules for existing credits to support ongoing risk identification and management.
• Business Support
  • Assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities.
  • Identify servicing information and prepare credit analysis documentation.
  • Partner with associates and clients to determine needs and structuring for new requests, renewals, and modifications, including participating in client and prospect calls as needed.
  • May support management with peer development and training.

Position Specific Skills

• Builds Productive Relationships
• Critical Thinking Skills
• Effective Judgement
• Risk Mitigation

Qualifications

Minimum Required Education and Experience:

• Bachelor's Degree and 4 years' experience, OR
• High School Diploma or GED/Equivalent and 8 years' experience in Commercial Lending or Credit Analysis, including financial statement spreading, preparation of projections, and trailing twelve month analysis.

Preferred Qualifications

• 6–8 years of experience in commercial underwriting in C&I, Medical
• Experience with credit relationships 5 million and above
• Microsoft Excel competency required
• Strong written and verbal communication skills required
• Exceptional attention to detail, strong time management skills, and the ability to balance and prioritize multiple tasks while maintaining accuracy and meeting deadlines

Compensation & Benefits

Benefits are an integral part of total rewards, with a competitive, thoughtfully designed benefits program to meet the needs of associates.