Regional Underwriting Manager - Broward/Palm Beach County

Seacoast Bank; Fort Lauderdale (FL); On-site; USD 110,000 - 140,000; Full time

Job summary

Seacoast Bank is seeking a Regional Underwriting Manager to lead the commercial underwriting process and portfolio management for the designated region. You will supervise a team of Commercial Underwriters and Credit Analysts, shaping credit culture and risk policies.

Key responsibilities include directing underwriting activities, ensuring compliance with loan policies, and collaborating with Commercial Bankers to optimize production, quality and asset quality.

Qualifications

• Bachelor's degree in finance, accounting, or business preferred.
• Minimum of seven years of relevant experience in commercial lending and loan administration.
• Proven leadership, team building, motivation and training capabilities.
• Strong knowledge of accounting, macroeconomics, corporate finance and credit analysis.
• Knowledge of banking policies, procedures and regulatory environment.

Responsibilities

• Lead a team of Commercial Underwriters and Credit Analysts providing leadership, development and coaching.
• Direct underwriting of credits and provide technical assistance to Commercial Underwriters and Commercial Bankers.
• Oversee region and line of business to drive production, quality and service results.
• Recruit, develop and supervise performance of underwriting staff and manage workloads and workflows.
• Maintain understanding of loan policy, underwriting guidelines, and risk management principles.

Skills

Leadership

Credit analysis

Commercial underwriting

Team management

Policy compliance

Risk management

Portfolio management

Staff development

Strategic collaboration

Education

Bachelor's degree in finance, accounting, or business

Commercial credit training

Job description

Location

Broward / Palm Beach County, FL

Job Summary

The Regional Underwriting Manager is responsible for the commercial credit underwriting process and portfolio management oversight in the designated region or line of business. Lead a team of Commercial Underwriters and Credit Analysts providing guidance and understanding of the bank’s credit culture, risk appetite, and policies and procedures.

Essential Duties and 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 onboarding material for new employees.
• Adhere to Seacoast Bank’s Code of Conduct.

Education and Experience

• A Bachelor’s Degree (BS or BA) or higher from a four‑year accredited institution with a major in finance, accounting, or business preferred.
• Minimum of seven years of relevant experience in commercial lending and loan administration with demonstrated competence in leading a team, analyzing financial statements, structuring credits, administering workloads and workflows, managing loans and portfolios, and problem solving.
• Formal commercial credit training preferred and demonstrated high‑quality credit skills.
• Demonstrated leadership skills with particular relevance to team building, motivation, and training.
• Strong knowledge of accounting, micro‑economics, corporate finance, and credit analysis to accurately interpret financial, economic and market data.
• Proficient understanding of diverse industries and real estate.
• Knowledge of policies, procedures and operations of commercial lending including origination, underwriting, documentation, credit risk analysis, and loan loss provisioning.
• Demonstrated working knowledge of banking industry including loan accounting, US regulatory environment, and laws.
• Ability to work under pressure when necessary and meet specific objectives consistently.

Legal and Ethical Standards

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. All Associates are required to adhere to the highest legal and ethical standards and comply with all regulatory, legal, ethical and bank risk mitigation requirements. This includes the timely completion of annual required training and effective execution of role responsibilities.