Senior Commercial Underwriter - Strategic Credit Analysis

Ourlivesmadison; Appleton (WI); Hybrid; USD 70,000 - 110,000; Full time

Job summary

Landmark Credit Union is seeking a Commercial Banking Underwriter to assess new loan requests, renewals and annual reviews. You will prepare credit analyses, assess risk ratings, review collateral documentation and support loan decisions with thorough analysis.

The role requires 5+ years of experience in business credit analysis, strong communication skills, and the ability to work independently in a dynamic environment, while ensuring confidentiality and compliance with policies and regulations.

Qualifications

• Bachelor's degree in business or related field; 5+ years of direct experience in business/commercial credit analysis.
• Strong financial and credit analysis skills; understanding of business credit documentation and collateral documents.
• Experience with software or systems used for credit analysis and deposit/loan products.
• Excellent verbal and written communication skills; problem solving and organizational abilities; ability to work independently.
• Demonstrated independent judgment and discretion while maintaining confidentiality.
• Must learn and comply with company policies and regulatory requirements.

Responsibilities

• Meets with Commercial Loan Officers and borrowers to understand existing loans and new loan requests.
• Completes all sections of the credit analysis and risk rating package to support loan decisions.
• Provides feedback to officers and supervisory staff on loan concerns; models appropriate loan structure.
• May contact business members, accountants, attorneys or other professionals to clarify questions in the credit analysis package.
• Attends business loan appointments with loan officers to support profiling.
• Requests and analyzes collateral documents to resolve issues proactively.
• Requests financial statements for annual reviews.
• Completes annual reviews per policy; analyzes trends and recommends risk rating changes.
• Maintains annual review and risk rating reports.
• May attend Commercial Loan Committee meetings to present analysis.
• Assists in annual review of Commercial Lending Policy.
• Performs loan audit reviews as assigned.
• Performs other duties as assigned.

Skills

Credit analysis

Financial statement analysis

Independent judgment

Communication skills

Collateral knowledge

Analytical thinking

Education

Bachelor's degree in business or related field

Tools

Credit analysis software

Deposits and loan products systems

Job description

Landmark Credit Union is seeking a Commercial Banking Underwriter to assess new loan requests, renewals and annual reviews. You will prepare credit analyses, assess risk ratings, review collateral documentation and support loan decisions with thorough analysis.

The role requires 5+ years of experience in business credit analysis, strong communication skills, and the ability to work independently in a dynamic environment, while ensuring confidentiality and compliance with policies and regulations.