Commercial Underwriter II

GENERAL DESCRIPTION:

The Commercial Underwriter II independently underwrites complex commercial and commercial real estate transactions and provides structuring recommendations. This role serves as a key advisor to lenders and credit leadership on risk identifications and mitigation. Deal complexity includes mid-size commercial real estate loans, construction lending, investor real estate portfolios, commercial operating companies, and structures credit facilities.

ESSENTIAL FUNCTIONS:

1. Independently underwrites commercial and commercial real estate transactions.
2. Analyzes complex borrower structures including:
   • Multi-entity businesses
   • Partnership and LLC structures
   • Borrowing bases
   • Complex collateral structures
3. Stress tests assumptions including:
   • Interest rate sensitivity
   • Vacancy and absorption
   • Cap rate changes
4. Recommends loan structures including:
   • Covenants
   • Collateral packages
   • Guarantor support
5. Mentors junior underwriters.
6. Participates in problem loan discussions and portfolio monitoring.
7. All other duties as assigned or requested by Supervisor.