VP, Senior Commercial Underwriter

The VP, Senior Commercial Underwriter is responsible for contributing to high-quality loan growth by analyzing, underwriting, recommending and approving credit requests generated by Calling Officers. The quality, completeness, and accuracy of a credit approval is of utmost importance to ensure sound lending decisions. The role will also assist with monitoring and managing existing loan portfolio to minimize credit losses and maintain compliance with loan policies and procedures.

Essential Functions

1. 1. 1. Analyze, structure, and underwrite new loan requests, renewals, and credit accommodations, including commercial, SBA, commercial real estate, and business lines of credit.
      2. Evaluate financial statements, tax returns, credit reports, appraisals, legal documents, industry trends, collateral, guarantor support, and global cash flow.
      3. Independently underwrite complex credits involving multiple entities, varied income streams, sophisticated capital structures, and detailed pro forma projections.
      4. Prepare clear, comprehensive credit presentations and recommendations for senior leadership and loan committee review.
      5. Recommend or approve loans within delegated lending authority while balancing customer needs, relationship objectives, and the bank’s risk appetite.
      6. Partner with Credit Officers and Calling Officers to develop competitive loan structures, negotiate terms, and determine appropriate pricing, covenants, collateral, and risk ratings.
      7. Participate in customer and prospect calls, as appropriate, to understand business objectives, financial needs, repayment sources, and relationship opportunities.
      8. Serve as a subject matter expert and trusted resource for lenders, underwriters, analysts, and other lending partners; mentor and train less experienced team members.
      9. Monitor assigned commercial relationships through annual reviews, covenant compliance, risk-rating updates, financial analysis, and identification of emerging credit risks.
      10. Support problem-loan management by collaborating on workout plans, restructures, collection strategies, and quarterly watch-list reporting.
      11. Coordinate with Loan Officers, branch staff, appraisal and legal teams, Loan Service Center staff, customers, and other departments to resolve credit, documentation, collateral, and closing matters.
      12. Identify appropriate cross-selling and referral opportunities while ensuring all underwriting and portfolio activities comply with applicable regulations, bank policies, and established credit standards.
      13. Perform special projects and other duties as assigned.

Minimum Qualifications

• Bachelor's degree in finance or closely related field and 7 years' experience in commercial, commercial real estate, and construction lending underwriting, or an equivalent combination of education and experience.
• Thorough knowledge of commercial underwriting, lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis, and financial projection modeling.
• Thorough knowledge of underwriting policies and procedures for Commercial Real Estate including appraisal methods, and environmental due diligence practices.
• Knowledge of bank regulations, income tax accounting, finance and economics.
• Knowledge of underwriting policies, procedures, and eligibility requirements for SBA loans.
• Skills operating a personal computer with word processing, spreadsheet and presentation software.
• Must be highly organized and detail oriented with strong qualitative and analytical skills.

The hiring range for this position is $95,000 to $135,000 per year. The compensation offered will fall within this range, commensurate with the candidate's applicable experience, education and skills.