Senior Commercial Credit Underwriter - CRE & C&I

CRE Finance Council; Stamford (CT); On-site; USD 110,000 - 145,000; Full time

Benefits offered by this job

Bonus

Benefits package

Job summary

CRE Finance Council in Stamford, CT seeks a Commercial Credit Underwriter with experience underwriting CRE, C&I, construction, and related commercial lending transactions. You will analyze credit opportunities, structure financing solutions, assess risk, and support portfolio management while partnering with lenders and relationship managers.

You will manage an assigned portfolio, perform cash flow and stress tests, review appraisals and reports, prepare credit presentations, ensure compliance,

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, or related field.
• Completion of a formal commercial credit training program or equivalent experience.
• Minimum of 5 years of experience in commercial credit underwriting, portfolio management, commercial lending, or related banking functions.
• Strong understanding of CRE and C&I lending, financial statement analysis, cash flow analysis, loan structuring, credit risk assessment, covenant compliance, and commercial loan documentation.
• Experience with Abrigo loan origination or loan administration software.
• Excellent written, verbal, analytical, and presentation skills.
• Ability to independently assess risk and make sound credit recommendations.

Responsibilities

• Analyze and underwrite commercial lending opportunities, including CRE, C&I, construction, and specialty financing transactions.
• Partner with Relationship Managers to structure financing solutions that meet customer needs while adhering to policy.
• Review and analyze financial statements, tax returns, cash flow projections, credit reports, and supporting documentation.
• Evaluate borrower and guarantor strength, collateral quality, industry trends, and credit risk.
• Conduct cash flow, sensitivity, and stress-testing analyses to assess repayment capacity.
• Review third-party reports, appraisals, environmental assessments, and market studies.
• Prepare comprehensive credit presentations and loan approval packages.
• Recommend risk ratings and appropriate loan structures, terms, and covenants.
• Ensure transactions comply with internal lending policies and regulatory requirements.
• Assist with loan documentation, closing processes, renewals, and modifications.
• Provide guidance and mentoring to junior Credit Analysts.
• Manage an assigned portfolio of commercial credit relationships.
• Perform annual reviews, covenant compliance testing, collateral evaluations, and ongoing risk assessments.
• Monitor borrower performance and identify emerging credit concerns.
• Recommend and implement appropriate risk mitigation strategies.
• Prepare renewal and modification requests and supporting credit analysis.
• Identify opportunities for cross-selling bank products and services.
• Prepare reports and presentations for senior management and the Board of Directors.

Skills

Credit underwriting

Portfolio management

Financial statement analysis

Cash flow analysis

Credit risk assessment

Loan structuring

CRE lending

C&I lending

Regulatory compliance

Presentation skills

Relationship building

Problem solving

Communication

Education

Bachelor's degree in Finance

Credit training program or equivalent

Tools

Abrigo loan origination

Job description

CRE Finance Council in Stamford, CT seeks a Commercial Credit Underwriter with experience underwriting CRE, C&I, construction, and related commercial lending transactions. You will analyze credit opportunities, structure financing solutions, assess risk, and support portfolio management while partnering with lenders and relationship managers.

You will manage an assigned portfolio, perform cash flow and stress tests, review appraisals and reports, prepare credit presentations, ensure compliance,