SVP Credit Underwriter

Job Summary

This is a hands-on leadership position responsible for managing incoming credit requests, prioritizing workflow, assigning underwriting projects across the team, and personally handling complex credit analyses when appropriate.

The ideal candidate must have a strong background as a Commercial Credit Analyst/Underwriter as well as demonstrated experience directly managing or leading a team of Credit Analysts. This is not intended for someone making their first move into management.

The position will support complex commercial relationships across C&I, CRE, construction, and other commercial lending areas while ensuring consistent underwriting quality, timely completion of credit requests, and development of the analyst team.

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Essential Duties & Responsibilities:

Manage and provide day-to-day leadership to a team of Commercial Credit Analysts.
Receive incoming credit and underwriting requests and determine priorities based on complexity, deadlines, and business needs.
Assign and delegate credit requests across the analyst team while actively monitoring workload and turnaround times.
Personally underwrite or assist with complex and larger commercial credit relationships as needed.
Review analysts’ completed work, Credit Approval Memorandums, financial analysis, and underwriting recommendations for accuracy and quality.
Coach, train, and develop Credit Analysts to strengthen underwriting capabilities and overall performance.
Lead due diligence and underwriting for complex C&I and commercial credit relationships.
Analyze C&I and CRE credits, including industrial, multifamily, office, retail, and construction transactions.
Analyze and spread business and personal financial statements, tax returns, and other borrower financial information.
Perform global cash flow analysis and evaluate borrower and guarantor repayment capacity.
Evaluate proposed deal structures and recommend appropriate loan terms, covenants, collateral requirements, and risk mitigants.
Assess collateral, including commercial real estate, inventory, accounts receivable, and other tangible assets.
Review appraisals, project budgets, leases, borrowing bases, and other supporting credit documentation.
Identify credit and documentation policy exceptions and recommend appropriate solutions.
Assign appropriate loan risk ratings and identify potential changes in credit quality.
Lead preparation of credit presentations and communicate recommendations to Relationship Managers, Approving Officers, and other decision-makers.
Partner with Relationship Managers on complex transactions and participate in customer meetings when appropriate.
Review annual financial statements, covenant compliance, borrowing bases, and annual credit reviews.
Support ACL analysis, credit stress testing, loan reviews, audits, and regulatory examinations.
Ensure underwriting assignments are completed accurately and within established deadlines.
Maintain strong and consistent commercial credit standards across the analyst team.

Minimum Requirements:

Significant prior experience as a Commercial Credit Analyst, Senior Credit Analyst, Commercial Underwriter, or similar commercial credit professional required.
Prior experience directly managing or leading a team of Credit Analysts required.
Candidates must have demonstrated experience both performing commercial credit analysis/underwriting and leading analysts.
Strong commercial underwriting experience, particularly with C&I and CRE transactions.
Experience underwriting complex and larger commercial credit relationships.
Strong understanding of global cash flow, financial statement analysis, tax return analysis, collateral analysis, and loan structuring.
Experience with CRE sectors including multifamily, industrial, office, retail, and/or construction.
Strong understanding of commercial loan covenants, risk ratings, policy exceptions, and credit approval processes.
Experience reviewing the work of other analysts and providing feedback on Credit Approval Memorandums.
Demonstrated ability to prioritize and distribute a high volume of credit requests across a team.
Strong leadership, coaching, delegation, and performance-management skills.
Ability to communicate credit recommendations effectively to lenders, senior management, and credit approvers.
Strong organizational, analytical, and decision-making skills.
Banking experience required.
Must be comfortable working onsite.

SVP Credit Underwriter

Job Summary

Essential Duties & Responsibilities:

Minimum Requirements:

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