Senior Commercial Underwriter

MRISpokane

Senior Commercial Underwriter

Atlanta, GA
Full Time
Paid
  • Responsibilities

    Job Title: VP Senior Credit Underwriter
    We are a full-service community bank looking for an experienced VP Senior Credit Underwriter to join our team in the Duluth area.

    What We Offer:

    • Competitive salary and benefits

    • Health, dental, and life insurance

    • 401(k) with employer match

    • Paid time off (PTO)

    Qualifications:

    • Bachelor’s degree or higher

    • At least 10 years of experience in credit underwriting

    • Knowledge of lending operations and closing procedures

    • Proficiency in Microsoft Office Suite

    • Ability to work in a fast-paced environment

    • Experience in commercial underwriting (not mortgage)

    Responsibilities:

    Underwriting & Loan Evaluation:
    • Work with Loan Officers and clients to review new and renewal loan applications.

    • Collect and analyze financial documents for credit approval.

    • Conduct initial credit assessments or escalate complex cases as needed.

    • Prepare credit reports with financial analysis and recommendations.

    • Ensure all documentation meets compliance and internal policies.

    Loan Structuring & Credit Analysis:
    • Assess loan details, including:

      • Amortization schedules

      • Loan-to-value ratios

      • Interest rates and fees

    • Analyze financial statements, tax returns, and cash flow projections.

    • Identify discrepancies in financial data and address concerns.

    • Research industry trends and compare borrower performance to peers.

    • Evaluate business history, management experience, and guarantor support.

    Additional Duties:
    • Assist loan closers in gathering required documentation.

    • Keep accurate records and follow proper filing procedures.

    • Mentor new hires and support training efforts.

    • Stay updated on banking regulations and complete required training.

    • Attend meetings and contribute to process improvements.

    • Perform other duties as assigned by management.

    Work Schedule:

    • In-office position

  • Compensation
    $100,000-$130,000 per year