Senior Commercial Underwriter & Credit Risk Lead

Seacoast Bank; Melbourne (FL); On-site; USD 90,000 - 150,000; Full time

Job summary

Seacoast Bank in Melbourne, FL seeks an experienced Commercial Underwriter to support growth and asset quality within the commercial lending line by evaluating new opportunities and monitoring existing relationships. You will analyze borrower financials, assess collateral, and propose structured loans that align with policy while mitigating risk.

The role requires strong credit discipline and the ability to work with Commercial Bankers on underwriting assignments.

Qualifications

• Bachelor’s degree in finance, accounting, or business preferred.
• Minimum of ten years of relevant experience in commercial credit analysis and lending.
• Formal commercial credit training preferred.
• Ability to develop analytic and risk-management skills for complex transactions.

Responsibilities

• Analyze financial information of borrowers to assess repayment ability.
• Prepare and present analytical credit memoranda.
• Monitor credit risk and ensure compliance with loan policies.
• Negotiate loan structures with relationship managers.
• Support loan closings and portfolio monitoring.
• Assist Special Assets with problem loans.

Skills

Financial analysis

Credit analysis

Risk management

Underwriting

Portfolio management

Education

Bachelor's degree in finance, accounting, or business

Job description

Seacoast Bank in Melbourne, FL seeks an experienced Commercial Underwriter to support growth and asset quality within the commercial lending line by evaluating new opportunities and monitoring existing relationships. You will analyze borrower financials, assess collateral, and propose structured loans that align with policy while mitigating risk.

The role requires strong credit discipline and the ability to work with Commercial Bankers on underwriting assignments.