Commercial Underwriter, Small Business Lending

Capital One National Association; Plano (TX); On-site; USD 110,000 - 125,000; Full time

Job summary

Capital One National Association in Plano, TX seeks a Small Business Underwriter I to support commercial lending for small businesses. You will underwrite and assess credit for loans, partnering with business bankers to structure requests per policy and mitigate risk.

The role emphasizes underwriting up to $10MM, adherence to Capital One policies, and delivering strong customer service while contributing to training and team growth.

Qualifications

• Bachelor’s Degree or Military experience.
• At least 3 years of experience in credit administration, small business underwriting, commercial loan underwriting or commercial lending.

Responsibilities

• Underwrites and renewals or reviews of loans up to $10MM.
• Underwrites and decisions new loan requests, renewals, annual reviews, and credit assessments up to the limit of his/her commercial loan authority in accordance with Capital One Bank loan policy and portfolio performance objectives.
• Provides outstanding service to business bankers and other internal partners in the organization.
• Works with Small Business Bankers in structuring loan requests in a manner which will best fit Capital One policy while mitigate lending risks and best meeting borrower needs.
• Delivers a great overall customer experience, working closely with the Business Loan Advocates that are accountable for the end to end loan process from application to funding.
• Recommends commercial loan risks rating grades as part of the loan underwriting process, annual reviews, other interim reviews.
• Ensures appropriate application of all bank and line of business policies and procedures; supporting and driving adherence to regulatory compliance requirements.
• Is proactive about identifying and delivering improvements in our Small Business policy, underwriting, and/or risk management, and performs special project work as appropriate.
• Contributes to department training and growth.

Skills

Credit underwriting

Commercial lending

Risk assessment

Education

Bachelor’s Degree or Military experience

Bachelor’s Degree in Finance or Accounting

Credit training

Job description

Capital One National Association in Plano, TX seeks a Small Business Underwriter I to support commercial lending for small businesses. You will underwrite and assess credit for loans, partnering with business bankers to structure requests per policy and mitigate risk.

The role emphasizes underwriting up to $10MM, adherence to Capital One policies, and delivering strong customer service while contributing to training and team growth.