Senior Commercial Underwriter: Lead Credit Strategy

Wilson Bank & Trust; Lebanon (TN); On-site; USD 70,000 - 100,000; Full time

Job summary

Wilson Bank & Trust in Lebanon, TN is seeking a Senior Commercial Underwriter to assess loan requests, ensure policy adherence, and provide expert guidance on complex credit structures. You’ll collaborate with credit analysts, lenders, and leadership to support timely, well-supported decisions while upholding the bank’s standards.

You’ll review underwriting analyses, mentor analysts, manage multiple projects, and ensure compliance with federal regulations and internal controls.

Qualifications

• Bachelor’s degree in business, accounting, finance or related field.
• 7 years of experience in a related role.
• 5 years of banking experience preferred.
• Advanced skills with Microsoft Office to include Excel.
• Solid ability to read, analyze, and interpret personal and business financial statements and related tax returns.
• Ability to work on multiple projects simultaneously while accomplishing daily tasks.
• Effective verbal and written communication skills with strong presentation skills.
• High standards for integrity, honesty, professionalism, and work ethic.

Responsibilities

• Prepare loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy.
• Communicate with lenders and loan assistants regarding incomplete loan requests, assisting with resolution as needed.
• Assign loan requests to credit analysts for financial spreading, cash flow modeling, and comprehensive analysis.
• Mentor credit analysts regarding loan structure and methodology.
• Review underwriting analyses prepared by analysts and underwriters to verify accuracy, consistency, and adherence to Bank credit policy.
• Communicate with lenders and credit analysts regarding incomplete underwriting analyses, assisting with resolution as needed.
• Serve as a senior technical resource for complex commercial credit requests and loan structures.
• Partner with Relationship Managers, Credit Administration team, and senior leadership to support timely and well-supported credit decisions.
• Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness.
• Maintain strong internal controls and examination preparedness within the underwriting function.
• Consult with lending team members and provide guidance regarding the commercial underwriting process and loan policy interpretation.
• Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures.
• Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks.
• Attend training as requested.
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program.
• Participate in outside community activities as required.
• Perform other duties as assigned.

Skills

Analytical skills

Critical thinking

Problem solving

Excellent interpersonal skills

Strong presentation skills

Communication skills

Team collaboration

Time management

Education

Bachelor’s degree in business, accounting, finance or related field

Tools

Excel

Microsoft Office

Job description

Wilson Bank & Trust in Lebanon, TN is seeking a Senior Commercial Underwriter to assess loan requests, ensure policy adherence, and provide expert guidance on complex credit structures. You’ll collaborate with credit analysts, lenders, and leadership to support timely, well-supported decisions while upholding the bank’s standards.

You’ll review underwriting analyses, mentor analysts, manage multiple projects, and ensure compliance with federal regulations and internal controls.