Underwriter II - Commercial

Overview

Job ID: R233706

This role is for an Underwriter II - Commercial within the Central Credit Products Group. Responsibilities include analyzing credit and collateral information to support loan offerings and credit decisions. Work is based remotely.

Remote work eligibility may be available in select geographic locations, subject to approval. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs.

Sponsorship for employment visas or participation in STEM OPT is not available for this position.

Responsibilities

• Work under limited supervision or independently to identify risks and mitigants.
• Prepare and recommend loan offerings based on scorecards (including risk ratings) by analyzing:
  • Credit
  • Collateral strength
  • Financial worthiness of loan/transaction parties
• Prepare offerings for specific transactions or support management of a portfolio as assigned.
• Interact with internal and external customers as needed.
• Provide recommendations for credit structuring.
• Where relevant, perform ongoing credit risk management for an assigned portfolio.
• Contact internal and external customers and other parties to gather information and clarify inconsistent, incorrect, or missing information, including relevant pre-approval and post-approval activities.
• Perform or assist with the identification and/or confirmation of external regulatory requirements.
• Ensure internal policies and procedures are followed.
• Make recommendations on credit decisions or make credit decisions directly as appropriate.

Requirements

• Demonstrated knowledge, skills, and abilities appropriate for the role.
• Experience at this level typically requires a university/college degree and 2+ years of relevant professional experience.
• In lieu of a degree, a comparable combination of education, job-specific certification(s), and experience (including military service) may be considered.

Preferred Qualifications

• Credit Decisions
• Decision Making
• Financial Analysis
• Identifying Risks
• Process Improvements
• Results-Oriented
• Risk Assessments

Competencies

• Accuracy and Attention to Detail
• Credit Analysis and Verification
• Decision Making and Critical Thinking
• Effective Communications
• Financial Analysis
• Information Capture
• Knowledge of Underwriting
• Managing Multiple Priorities
• Office Support Tools
• Operational Functions

Compensation & Benefits

Base Salary: $75,000.00 – $125,000.00

Salaries may vary based on geographic location, market data, and individual skills, experience, and education. This role is incentive eligible, with payment based upon company, business, and/or individual performance.

Benefits (eligibility varies by employment status) may include:

• Medical/prescription drug coverage (with a Health Savings Account feature), dental, and vision options
• Employee and spouse/child life insurance
• Short- and long-term disability protection
• 401(k) with match, pension, and stock purchase plans
• Dependent care reimbursement account
• Back-up child/elder care
• Adoption, surrogacy, and doula reimbursement
• Educational assistance (including select programs fully paid)
• Wellness program with financial incentives

Paid time off may include (eligibility varies):

• Maternity and/or parental leave
• Up to 11 paid holidays each year
• 9 occasional absence days each year, unless otherwise required by law
• Between 15 to 25 vacation days each year, depending on career level
• Years of service

Application Window

Generally expected to be posted for two business days from 08/28/2026, though it may be longer at business discretion.

Additional Information

• Equal Employment Opportunity: Equal opportunity is provided regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
• This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). For any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or Financial Industry Regulatory Authority (FINRA) requirements may apply, which prohibit hiring individuals with certain criminal history.
• California residents: Refer to the California Consumer Privacy Act (CCPA) Privacy Notice for information about how personal information may be used or disclosed in hiring practices.