Start searching
Back to Jobs
Full timeSales

Senior Commercial Loan Underwriter

Enterprise Bank and TrustGilbert, Arizona🇺🇸United StatesPosted Oct 24, 2026

Why this role stands out

This role offers a unique opportunity to sharpen your expertise in complex commercial underwriting while enjoying the flexibility of a hybrid work environment at a highly respected institution. You will thrive in this position if you are a detail-oriented analyst who enjoys collaborating with relationship managers and mentoring junior talent to drive meaningful business impact. Apply today to advance your career and play a pivotal role in the success of a top-tier commercial lending team.

Quick overview

SeniorityMid Senior
Employment typeFull Time
Work modeHybrid
LocationGilbert, Arizona, United States
Microsoft ExcelCRMSalesforce

Job description

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

Similar jobs

Apply