Commercial Underwriter II

Overview

Remote role. 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. This role guides the structuring, servicing, and analysis of new and renewal credits. Responsibilities include identifying, gathering, and reviewing financial information to determine borrower risk ratings and appropriate loan structuring, assessing and communicating risks to support risk mitigation strategies, and providing service and support for associates and clients.

The position also participates in client calls, may assist with cross-sales opportunities, and may support special projects as needed to facilitate commercial lending activities and service capabilities. 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 outcomes.
  • Provide guidance to less experienced underwriters on underwriting procedures and information needs.

• Analysis

  • Source, compile, and interpret financial data to support loan structuring and approval.
  • Review industry information and comparisons, key risks and mitigants, and collateral to form a 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 closely with bank associates and partners to resolve risk issues, including communicating review schedules and potential changes to the commercial portfolio.
  • Assist in 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 assist management with peer development and training.

Requirements

• 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
    • Financial statement spreading
    • Preparation of projections
    • Trailing twelve month analysis

Preferred Qualifications

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

Compensation & Benefits

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