Commercial Credit Underwriter

Peoples Bank; Akron (OH); On-site; USD 90,000 - 120,000; Full time

Job summary

Peoples Bank is seeking an experienced credit analyst for underwriting of moderately complex loan requests across our footprint. You will perform high-quality credit analysis, validate risk ratings, and ensure compliance with policies and regulatory requirements.

The role requires a Bachelor's degree and 5+ years of commercial credit experience, with strong communication and decision-making abilities. Some travel is expected; a valid driver's license is required.

Qualifications

• Bachelor's degree required; accounting/finance/economics preferred.
• 5+ years of commercial credit underwriting or equivalent experience.
• Strong credit analysis, risk management and loan structuring skills.
• Excellent verbal and written communication, problem solving, and judgment.

Responsibilities

• Underwrites moderately complex loan requests to meet customer needs and protect the bank.
• Performs high quality credit analysis and underwriting identifying risks and mitigants.
• Evaluates loan requests and structure; adheres to policies and regulatory requirements.
• Participates in pre-flight discussions and documents takeaways; supports loan origination.
• Can perform spreading, renewals, extensions, and collateral analysis as needed.

Skills

Credit analysis

Risk management

Loan structuring

Communication skills

Decision making

Education

Bachelor's degree

Tools

Microsoft Office

Commercial loan system

nCino experience

Job description

Build Your Future Here:

Thinking of changing jobs or starting your career at a growing company with an award-winning culture? Well, you are in the right place. Join us on our journey to being the Best Community Bank in America. Our motto is Working Together. Building Success. and by joining Peoples Bank, we will work together to help you achieve your career goals, just like we help thousands of clients reach their financial goals.

Peoples Bank is one of the largest 150 banks in the United States with 130 full-service bank branches in Ohio, West Virginia, Kentucky, Virginia, Washington D.C. and Maryland. We also have Specialty Finance offices in Minnesota, Missouri and Vermont. Peoples Bank prides itself as a community bank and dedicates its resources to improving our communities. The Peoples Bank Foundation has donated over $8 million to local organizations since its inception in 2003.

We are proud to share national accolades that celebrate our company culture and recognize us as a great place to bank and work:

• American Banker Best Banks to Work For in 2021, 2022, 2023, 2024 and 2025
• Top Workplaces USA national award in 2022, 2023, 2024, 2025 and 2026
• Newsweek's America's Greatest Workplaces 2024, 2025 and 2026
• Forbes America's Best Banks 2024 and 2025
• Forbes Best-in-State Banks 2020, 2021. 2025 and 2026
• TIME's America's Growth Leaders 2026 award winner

At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation, holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/

Job Purpose:

Provides high quality credit analysis and underwriting with proper identification and evaluation of credit risks and mitigants typically for moderately complex loan requests. Complies with established processes, quality standards and responsiveness expectations. Evaluates credit requests, structure and loan codes.

Job Duties:

• Underwrites primarily moderately more complex loan requests to meet customer and prospects needs while also best protecting bank.
• Performs high quality credit analysis and underwriting to ensure credit risks are identified and adequately mitigated including but not limited to repayment sources, collateral coverage and industry impact.
• Evaluates credit requests and structure.
• Complies with established processes, quality standards and responsiveness expectations.
• Validates loan codes within loan packages to ensure accuracy.
• Participates in Pre-Flight discussions and memorializes takeaways.
• Builds out loan request details within loan origination system in conjunction with commercial banking portfolio managers.
• Performs appraisal review and evaluation if applicable.
• Validates risk ratings and requests changes if warranted.
• If needed, performs spreading, loan renewals and extensions, annual shelf reviews, collateral analysis for releases, covenant testing and risk rating validation with proper identification and evaluation of risks and mitigants.
• Adheres to bank's policies and procedures and complies with regulatory requirements.
• Will perform special projects as assigned.

Education, Job Skills and Qualifications:

• Bachelor's degree required. Specialization in accounting, finance or economics preferred.
• 5+ years of commercial credit underwriting, risk management or equivalent experience preferred.
• Excellent credit analysis, risk management and loan structuring skills.
• Strong verbal and written communication skills.
• Strong problem solving and conflict resolution skills.
• Strong interpersonal skills.
• Highly organized and attentive to detail.
• Proven ability to exercise discretion and sound judgment.
• Proven ability to effectively communicate viewpoint and make independent decisions.
• Well-versed on bank's credit policy.
• Current on applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products and commercial loan origination system software platforms. nCino experience a plus.
• Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Basic Qualifications:

• Bachelor's degree required. Specialization in accounting, finance or economics preferred.
• 5+ years of commercial credit underwriting, risk management or equivalent experience preferred.
• Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Equal Opportunity Employer M/F/Disabled/Vet;
If you are unable to complete this application due to a disability, contact [e-mail] to ask for an accommodation, alternative application process, or other inquiries.