Commercial Credit Underwriter II - C3 Government

The Commercial Credit Underwriter II is a critical member of the Centralized Commercial Credit Management – Government (C3G) team, responsible for providing underwriting and credit analysis for new and existing municipal customer relationships. This role ensures compliance with the bank's credit policy, underwriting guidelines, and Federal Banking Regulations. The C3G team streamlines the underwriting process for municipal borrowers with total group credit exposure ≤ $5MM.

What You Will Do

Analyze, underwrite, and potentially act as final decision authority on commercial loan applications. Conduct credit investigations, analyze financial information, and perform historical business financial analysis and cash flows. Set conditions of lending and meet turnaround requirements in a high-volume loan production environment while maintaining strong quality of work.

Why It Might Be a Fit

Candidates should have 4+ years of relevant commercial lending experience, strong analytical and research skills, and a solid understanding of credit underwriting. The role offers growth opportunities and skill development, with a base pay range of $34.75 - $52.00 USD per hour. The position requires proven organizational, multi-tasking, and decision-making skills, with the ability to work with various business partners.

Requirements

• 4+ years of relevant commercial lending experience
• Proven analytical and research skills
• Strong understanding of credit underwriting and industry practices
• Previous experience with business and personal financial statement analysis
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Strong communication skills, both verbal and written
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Ability to meet deadlines
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Developed PC skills including proficiency and capability in word processing and spreadsheet software
• Computer literacy with a variety of software programs

Benefits

• Base salary and variable compensation/incentive awards
• Eligibility for cash and/or equity incentive awards
• Health and well-being benefits
• Savings and retirement programs
• Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
• Banking benefits and discounts
• Career development opportunities
• Reward and recognition programs