Commercial Underwriter (AL) — Analyze & Structure Loans

My Local; Tuscaloosa (AL); On-site; USD 65,000 - 90,000; Full time

Job summary

Local Bank in Tuscaloosa, AL is seeking a Commercial Underwriter to evaluate, analyze, and underwrite loan requests in a way that aligns with risk tolerance and lending policies. You will work with Relationship Managers, Credit Administration, and Executive Management to structure credit solutions.

The position requires a Bachelor’s degree and 3–5 years of commercial credit experience, strong analytical skills, proficiency in financial statement analysis, and ability to work independently in a

Qualifications

• Bachelor’s degree required in finance, accounting, business, economics, or related field.
• 3–5 years of experience in commercial credit analysis, underwriting, or banking.
• Strong knowledge of commercial lending, loan structures, and regulatory compliance.
• Proficiency in financial statement analysis, ratio analysis, and cash flow modeling.
• Excellent written and verbal communication; detail-oriented and organized.

Responsibilities

• Analyze financial statements, tax returns, cash flow projections, and collateral to assess borrower creditworthiness.
• Evaluate loan requests for new, renewed, modified, or reviewed commercial and consumer clients.
• Prepare credit memos with loan recommendations, risk ratings, and mitigating factors.
• Assess borrower, guarantor, and collateral strength to ensure policy adherence and prudent underwriting.
• Collaborate with Loan Officers and senior management to structure and price credit facilities.
• Identify risks, communicate exceptions to policy, and propose mitigation strategies.

Skills

Credit analysis

Financial modeling

Ratio analysis

Cash flow analysis

Written communication

Verbal communication

Detail-oriented

Time management

Education

Bachelor’s degree in Finance/Accounting/Business/Economics

Tools

Microsoft Office Suite

Financial spreading software

Job description

Local Bank in Tuscaloosa, AL is seeking a Commercial Underwriter to evaluate, analyze, and underwrite loan requests in a way that aligns with risk tolerance and lending policies. You will work with Relationship Managers, Credit Administration, and Executive Management to structure credit solutions.

The position requires a Bachelor’s degree and 3–5 years of commercial credit experience, strong analytical skills, proficiency in financial statement analysis, and ability to work independently in a