Senior Commercial Underwriter

Join a member-focused financial institution committed to responsible lending, financial well-being, and exceptional service. As a Senior Commercial Underwriter, you will evaluate complex commercial credit applications, assess borrower financial strength, and make informed lending recommendations that support a healthy commercial loan portfolio. You will analyze commercial real estate, commercial and industrial (C&I), and construction transactions while ensuring compliance with established credit policies and underwriting standards. Working closely with relationship managers, legal counsel, commercial lending teams, and other stakeholders, you will help structure sound credit decisions and manage loan files from initial review through closing. You will also contribute to portfolio risk management, audit readiness, policy development, and the continuous improvement of underwriting practices. In this senior role, you will have opportunities to mentor colleagues, handle sophisticated transactions, and influence credit risk decisions. Flexible working arrangements, including remote work, are available.

The ideal candidate is an experienced commercial credit professional with strong financial analysis capabilities, sound risk judgment, and the ability to manage complex lending transactions while collaborating effectively with internal and external stakeholders.

• Bachelor's degree in Business, Finance, or a related field.

• Between five and nine years of relevant professional experience.

• Strong analytical skills and experience evaluating owner-occupied commercial real estate transactions and commercial and industrial (C&I) lending opportunities.

• Demonstrated ability to review financial statements, tax returns, leases, rent rolls, credit reports, appraisals, and other supporting credit documentation.

• Experience assessing borrower creditworthiness, repayment capacity, property cash flow, guarantor strength, market conditions, and transaction-specific risks.

• Ability to prepare detailed credit analyses, financial spreads, and comprehensive credit approval memoranda.

• Sound judgment in recommending credit decisions, risk ratings, loan structures, and appropriate risk mitigation strategies.

• Strong understanding of commercial lending policies, underwriting standards, loan documentation, and credit risk management practices.

• Ability to manage multiple loan files, prioritize competing deadlines, and ensure timely underwriting decisions and closings.

• Strong written and verbal communication skills, with the ability to collaborate effectively with lending teams, legal counsel, management, and members.

• Attention to detail and a commitment to accurate documentation, regulatory compliance, and consistent underwriting quality.

• Ability to mentor colleagues, support continuous improvement, and contribute to policy and procedure development.

• Willingness to work in a flexible arrangement, including remotely, depending on the agreed working setup.