Senior Commercial Loan Underwriter

The Senior Commercial Loan Underwriter leads the analysis and underwriting of complex commercial credit requests, including CRE, C&I, leveraged finance, and asset-based lending. This role evaluates cash flow, collateral, and borrowing bases, recommends loan structures, and supports relationship managers with client proposals. The underwriter monitors ongoing credit quality, reviews financial statements and covenant compliance, and contributes expertise in credit committee discussions while mentoring junior analysts.

Responsibilities

• Underwrite complex commercial loan transactions, including CRE, C&I, leveraged finance, and tax-credit deals, producing clear credit recommendations.
• Perform detailed cash flow, debt service, collateral, and leverage analysis on business and real estate borrowers.
• Review and monitor financial statements, borrowing base certificates, and covenant compliance for existing commercial credits.
• Support relationship managers in structuring credit facilities and preparing credit presentations for loan committee.
• Participate in loan committee discussions as a representative of the credit function, explaining risk assessment and recommendations.
• Maintain current knowledge of economic trends, industry conditions, and competitive lending practices affecting credit quality.
• Assist in mentoring and providing guidance to junior credit analysts and associates.
• Collaborate with internal stakeholders to track loan maturities and pipeline to ensure timely renewals and strong client service.

Required Skills

• Commercial credit underwriting
• Cash flow and debt service analysis
• Collateral and asset-based lending analysis
• Financial statement analysis
• Borrowing base and covenant monitoring
• Commercial real estate (CRE) lending knowledge
• C&I and leveraged lending analysis
• Use of Baker Hill Statement Analyzer
• Salesforce CRM usage
• Microsoft Excel for financial modeling