Senior Commercial Underwriter: Complex Credit

Zions Bancorporation; Denver (CO); On-site; USD 95,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Paid time off & holidays

401(k) with company match

Job summary

Vectra Bank in Denver, CO is seeking an experienced Commercial Credit Underwriter/Senior Underwriter to join our Commercial and Business Banking team. You will underwrite and structure commercial credit deals, deliver risk-focused recommendations, and support modernization of underwriting tools and processes.

The role emphasizes underwrite and portfolio management for commercial relationships with a focus on deals generally over $5 million, collaboration with Relationship Managers, and

Qualifications

• Requires a Bachelor’s in Finance, Business, Accounting or a related field and 4+ year commercial credit, business banking underwriting, spread analysis, lending, practices, procedures, or other directly related experience.
• Extensive knowledge of commercial and/or business banking credit underwriting, spread analysis, lending concepts, underwriting practices and procedures.
• Strong working knowledge of C&I loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Extensive working knowledge of balance sheets, income, and cash flow statements.

Responsibilities

• Underwrite local and custom commercial credit requests generally over $5 million, including renewals, modifications, refinances, new money requests.
• Prepare concise, risk-focused credit presentations for transactions requiring elevated approval authority.
• Manage a pipeline that includes both recurring portfolio requests and more complex new or expanded credit opportunities.
• Partner with Relationship Managers to ensure deal structuring is sound and credit packages are complete.

Skills

Underwriting

Credit analysis

Cash flow analysis

Financial statement analysis

Risk assessment

Education

Bachelor's degree in Finance

Tools

Excel

Word processing

Job description

Vectra Bank in Denver, CO is seeking an experienced Commercial Credit Underwriter/Senior Underwriter to join our Commercial and Business Banking team. You will underwrite and structure commercial credit deals, deliver risk-focused recommendations, and support modernization of underwriting tools and processes.

The role emphasizes underwrite and portfolio management for commercial relationships with a focus on deals generally over $5 million, collaboration with Relationship Managers, and