Sr Commercial Loan Underwriter

A Senior Commercial Underwriter supports the commercial lending function of the Bank. As an experienced Underwriter you will partner with the 'internal' clients involved in the commercial lending function by preparing credit approval offerings for all types of transactions and levels of complexity including but not be limited to new and renewed loan offerings and modifications. You will also serve as a subject matter expert and resource on credit structuring. The ideal candidate will be seeking a career in banking, progressing into Senior Credit Administration or Line of Business roles.

• Preparing credit approval offerings for all types of transactions and levels of complexity. Credit approval documents will include but not be limited to new and renewed loan offerings and modifications. May include various pre- and post-approval activities as necessary.
• Using independent judgement to identify and mitigate risks, preparing offerings and risk ratings by analyzing credit, collateral and financial worthiness of borrowers, guarantors and credit structure. Ensuring credit quality and portfolio integrity are given the highest consideration when making credit decisions.
• Active participant in the deal team, working closely with relationship managers, senior leaders and credit administration.
• Strategic, forward thinking individual providing provocative insight, may work alongside relationship management in prospecting efforts.
• Providing recommendations on credit decisions for Executive Loan Committee supported by commentary and analysis. Expected to actively participate in committee presentations and discussion.
• Ongoing portfolio monitoring and servicing with renewals, amendments, modifications and relationship reviews, if applicable. Supporting covenant monitoring and compliance efforts. Working with Credit Review team to ensure file inconsistencies and inaccuracies are resolved.
• Supporting the ongoing development of the Credit Department by serving as a resource and mentor for junior underwriters and analyst.