Commercial Real Estate Credit Underwriter

Centier Bank; Lafayette (IN); On-site; USD 100,000 - 150,000; Full time

Job summary

Centier Bank is seeking an experienced Senior Credit Underwriter to lead a underwriting team for complex Commercial Real Estate loans. You will review loan presentations, assess risk, and propose solutions to enhance loan structures while ensuring adherence to bank policy.

You will mentor underwriters, manage pipeline, and collaborate with Business Bankers and other lending teams to optimize loan decisions and risk controls.

Qualifications

• Must possess broad and deep knowledge of underwriting principles for highly complex Commercial Real Estate loans.
• Minimum of 7 years of commercial lending experience with an emphasis on credit and risk management.
• MBA preferred, with focus on finance and/or accounting.

Responsibilities

• Manage interactions with lenders and customers on applications and existing loans within the portfolio to the underwriter team.
• Independently identify feasible loan structures, monitoring requirements, and make recommendations.
• Provide ongoing expert training to team members in underwriting, risk management, and project management.
• Review loan underwriting presentations and ensure accuracy of strengths, weaknesses, and risk ratings.
• Think independently to present data, conclusions and recommendations when no predefined policy exists.
• Take ownership of loans and ensure preventing delinquency and loss, and monitor timelines.

Skills

Leadership

Critical thinking

Quantitative analysis

Financial analysis

Underwriting knowledge

MS Excel

Team collaboration

Education

Bachelor's Degree in Finance/Accounting

MBA preferred

Tools

Microsoft Excel

Bank underwriting systems

Financial worksheets

Job description

paid time off, tuition reimbursement, 401(k)

United States, Indiana, Lafayette

Aug 30, 2026

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company's achievement as well.

A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results.

What are our values?

Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING companythat's built on these pillars?

What about the perks?

Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE.

Supervisory Responsibilities:

This individual will assist in training less experienced analysts on occasion and will organize department projects when necessary.

Job Summary:

An Underwriter 3 will prepare written loan analyses for new and existing loans for commercial relationships ranging from $1,000,000 up to the bank's legal lending limit. He or she will also monitor existing loans through financial reviews and covenant testing. Underwriter III will be expected have knowledge and experience with moderately complex commercial loans. His or her experience may be concentrated in CRE or C&I, but he or she should have significant experience with loan relationships larger than $5 million.

Essential Duties and Responsibilities:

• Underwriter's should display independent thought to present data, conclusions and recommendations taking into account the boundaries of regulations, policies, and guidelines.
• Collect and analyze financial information about borrowers regarding income, assets, and debts to determine the level of credit that is appropriate for complex commercial loan relationships.
• Prepare 10-50 page written presentations for new commercial loans and renewals. Presentations include identification of strengths and weaknesses, an appropriate risk grade and recommendation regarding the loan decision. Approval will come from Loan Committee, Senior Management depending on the size of relationship
• Conduct reviews of covenant compliance and periodic financial statements identifying appropriate response from the bank.
• Will need to interact with lenders (and customers on occasion) to evaluate credit worthiness of new customers, potential deterioration of existing borrowers.
• Participation in meetings with Business Bankers, and SVP's regarding commercial loans.
• Think independently to present data, conclusions and recommendations when there may not be a predefined policy or procedure.
• Take ownership for the bank's commercial loan portfolio to prevent, matured delinquency, payment delinquency, collateral shortfalls, and/or loan charge-offs.

Knowledge, Skills, and Abilities:

• Adept at time management to meet strict deadlines and respond to high urgency requests from Management and/or Loan Officers
• Ability to think critically and express conclusions in writing and verbally
• Aptitude for quantitative analysis working with numerous variables, spreadsheets with large amounts of data, identifying/summarizing patterns and trends
• Must be a quick study for new tasks, procedures, software/technology as well as conceptual philosophy behind a diverse set of tasks related to risk management of commercial loans.
• Strong organizational skill sets
• Strong attention to detail
• Working knowledge of Microsoft Office and financial worksheets/spreads

Job Specifications/Skill Requirements:

• Must possess working knowledge of underwriting principles for moderately complex Commercial Real Estate Loans as well as some forms of specialty lending such as Land Acquisition and Development Lending, Contractor Lending, Hotel Lending, Senior Housing Lending, Municipal Lending, or Non-Profit Lending.
• Bachelor's Degree with significant accomplishment in finance and accounting or commensurate experience and training in credit analysis for commercial loans.
• Minimum of 5 years of commercial lending experience with an emphasis on credit and risk management.
• Prior completion of formal credit training either through ABA, RMA, or formal internal bank training program.

Disability Accommodation Statement

Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219-755-6160 or send us an email at [e-mail].

Equal Opportunity Employer/Disability/Veteran

Centier Bankis proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

Helping all candidates find great careers is our goal. The information you provide here is secure and confidential.