Senior Commercial Underwriter: Credit Risk & Growth

Seacoast Bank; Tampa (FL); On-site; USD 90,000 - 140,000; Full time

Job summary

Seacoast Bank seeks an experienced Commercial Underwriter in Tampa to support revenue growth and asset quality within the commercial lending line of business. You will analyze financial data, assess risk, and work with Commercial Bankers to structure loans and monitor portfolios.

The role requires deep knowledge of credit analysis, loan structuring, and risk management, with emphasis on thorough documentation, policy adherence, and effective collaboration across teams.

Qualifications

• Bachelor’s degree in finance, accounting, or business preferred.
• Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management.
• Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions.
• Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations.
• Familiarity with various industries and commercial property types.
• Experience evaluating economic and market conditions in the markets or lines of business served.
• Experience analyzing collateral and collateral valuation.
• Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis.

Responsibilities

• Analyze the financial information on existing and potential customers to assess the borrower’s and guarantor’s financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification.
• Prepare analytical credit memoranda identifying risks and evaluating collateral, and analyze trends, ratios, cash flow, etc.
• Maintain an understanding of the credit culture and loan policy to inform risk appetite and policy adherence.
• Underwriters should be able to handle all loan types, including complex borrowers, and negotiate structure with Commercial Bankers.
• Ensure loan agreements are complete and accurate according to loan approval; support timely loan closing and funding activities.
• Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents.

Job description

Seacoast Bank seeks an experienced Commercial Underwriter in Tampa to support revenue growth and asset quality within the commercial lending line of business. You will analyze financial data, assess risk, and work with Commercial Bankers to structure loans and monitor portfolios.

The role requires deep knowledge of credit analysis, loan structuring, and risk management, with emphasis on thorough documentation, policy adherence, and effective collaboration across teams.