Regional Underwriting Leader - Credit & Portfolio Growth

Seacoast Bank; West Palm Beach (FL); On-site; USD 140,000 - 190,000; Full time

Job summary

Seacoast Bank in Broward/Palm Beach County, FL is seeking a Regional Underwriting Manager to oversee the commercial credit underwriting process and portfolio management. Lead a team of Commercial Underwriters and Credit Analysts, ensuring alignment with the bank’s credit culture, risk appetite, and procedures.

The role collaborates with the Regional Credit Officer and senior leaders to maintain consistent underwriting guidelines, manage risk, and promote revenue growth across the region.

Qualifications

• Bachelor’s degree in finance, accounting, or business preferred.
• Minimum of seven years of relevant experience in commercial lending and loan administration.
• Formal commercial credit training preferred.
• Demonstrated leadership skills with particular relevance to team building, motivation, and training.
• Strong knowledge of accounting, micro-economics, corporate finance, and credit analysis.

Responsibilities

• Lead a team of Commercial Underwriters and Credit Analysts providing leadership, development and coaching. Participate in the determination of staffing levels, hiring, counseling, and termination of employees.
• Play a key role in directing and providing technical assistance to Commercial Underwriters and Commercial Bankers with structuring and underwriting of credits.
• Provide leadership and foster collaboration with the region and line of business that drives production, quality and service results. Perform as a member of the Regional Leadership Team.
• Recruit, develop, and supervise performance of the Commercial Underwriting staff by collaborating in the establishment of goals and objectives, determining quality standards, formulating service levels, appraising performance, implementing and sustaining training, and administering career counseling.
• Maintain a thorough understanding of and sustain the effectiveness of loan policy, procedures, underwriting guidelines, and risk management principles. The Regional Underwriting Manager will contribute to and promote the credit culture of the organization.
• Contribute to the development and maintenance of written procedures and guidelines for the Commercial Underwriting function.
• Monitor and manage the workload and workflow of the assigned Commercial Underwriters. Allocate resources as needed.
• Monitor the Commercial Underwriters, Commercial Bankers, and commercial loan portfolio to oversee effective administration including management of past dues, loan agreement compliance, credit and collateral exceptions, risk ratings, delinquencies, problem loan identification, non-accruals, loss mitigation, and charge-offs.
• Serve as a subject matter expert on policy, procedures, and guidelines which impact risk management and profitability.
• Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques.
• Act as a key liaison with senior and executive management to promote revenue growth and asset quality.
• Responsible for the maintenance and testing of the business continuity plans and recovery procedures for the designated area of responsibility. Ensure that issues identified through testing or audit results are appropriately addressed and mitigated. Responsible for conducting annual awareness training to team members to familiarize them with key information on response strategies and recovery action plans. Assist with the development of training and on-boarding material for new employees.
• Adhere to Seacoast Bank’s Code of Conduct.

Skills

Leadership

Team management

Credit analysis

Underwriting

Financial statements

Regulatory knowledge

Education

Bachelor's degree in finance, accounting, or business

Formal commercial credit training

Job description

Seacoast Bank in Broward/Palm Beach County, FL is seeking a Regional Underwriting Manager to oversee the commercial credit underwriting process and portfolio management. Lead a team of Commercial Underwriters and Credit Analysts, ensuring alignment with the bank’s credit culture, risk appetite, and procedures.

The role collaborates with the Regional Credit Officer and senior leaders to maintain consistent underwriting guidelines, manage risk, and promote revenue growth across the region.