Commercial Underwriter 2

Salary Range: 36.06 to 49.95 (Currency: USD) (Pay period: per-hour-wage)

What You'll Do

• Perform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants.
• Assess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage.
• Analyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants.
• Assess the impact of the guarantor on the company’s ability to service debt.
• Prepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions.
• Make multiple credit decisions per day while building toward individual approval authority.
• Possess a well-rounded knowledge of pricing, structuring, and stipulations based on risk profile.
• Collaborate with colleagues to communicate underwriting decisions to internal stakeholders and provide information.
• Demonstrate a comprehensive understanding of market dynamics.

What You'll Bring

• A Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.
• Four to six years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.
• Experience working within small business and/or commercial lending is highly desirable.
• Strong working knowledge of financial statement analysis and the ability to interpret complex financial data with confidence.
• Understanding of small business lending dynamics and common industry risk considerations.
• Strong analytical thinking and quantitative skills with attention to detail.
• Ability to make complex credit decisions in a deadline driven environment.
• Clear written and verbal communication skills and confidence presenting underwriting rationale.
• A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

Why You'll Love It Here

• You will take meaningful ownership of underwriting decisions that directly impact portfolio performance.
• You will deepen your technical expertise while strengthening your independent judgment.
• You will work alongside experienced credit professionals in a collaborative, accountable environment.
• You will continue building a clear path toward senior underwriting or leadership opportunities.

We Offer

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Hybrid work schedule allowing you to split your week between coming into the office and working remotely from home.
• Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.
• A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.
• Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.
• Paid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family. 
• A gym membership contribution that supports your well-being, and helps you stay energized and focused.
• An internal referral program that rewards you for bringing talented people to the team.
• Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.