Senior Credit Underwriter: Complex C&I & CRE Leader

Georgia Banking Company; Atlanta (GA); Hybrid; USD 100,000 - 140,000; Full time

Job summary

Georgia Banking Company is seeking a Senior Credit Underwriter to join our credit team. You will underwrite a broad range of commercial credit requests—from traditional community banking relationships to large, complex C&I and sponsor-backed transactions.

You will analyze financial performance, cash flow, leverage, collateral, and risk, and prepare clear credit memoranda. The role includes mentoring junior analysts and supporting real estate underwriting when needed, with a hybrid in-office

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, or related field preferred.
• 7+ years of progressively responsible experience in commercial credit analysis or underwriting, preferably in a community or regional bank.
• Demonstrated experience underwriting traditional and large complex C&I transactions.
• Experience with sponsor-backed or leveraged transactions preferred.
• Strong knowledge of financial statement and tax return analysis, cash flow, loan structuring, collateral analysis, covenant design, and credit risk assessment.
• Experience analyzing guarantor tax returns, personal financial statements, and business tax returns.
• Experience analyzing audited, reviewed, and interim company-prepared financial statements.
• Experience with borrowing base lending and monitoring borrowing base reports.
• Commercial real estate underwriting experience preferred.
• Ability to manage competing priorities and maintain accuracy in a fast-paced environment.
• Strong written and verbal communication skills, including presenting complex credit conclusions clearly.

Responsibilities

• Underwrite and analyze a broad range of commercial credit requests, from small community banking relationships to large, complex C&I and sponsor-backed transactions.
• Analyze business financial performance, cash flow, leverage, liquidity, capital structure, industry conditions, repayment capacity, and transaction risks.
• Evaluate borrowers using tax returns, guarantor returns, personal financial statements, credit reports, and global cash flow analysis.
• Analyze audited and interim financial statements for larger borrowers.
• Spread and interpret financial statements and tax returns, reconcile material differences, and identify trends or risks.
• Prepare clear, well-supported credit memoranda detailing request, analysis, structure, collateral, risks, mitigants, and recommendation.
• Assess transaction structure, covenant packages, collateral, guarantor strength, and overall risk profile.
• Monitor borrowing base reports and collateral/availability; escalate concerns as needed.
• Underwrite renewals, modifications, amendments, and servicing requests for existing relationships.
• Partner with relationship managers to structure transactions meeting client needs while mitigating risk.
• Participate in loan committee discussions and present underwriting conclusions.
• Monitor portfolio performance, including financial reporting, covenant compliance, and collateral.
• Underwrite commercial real estate transactions when needed, including cash flow analysis and collateral value.

Skills

Credit analysis

Financial analysis

Mentoring

Communication

Time management

Education

Bachelor's degree in Finance or related field

Tools

Moody’s CreditLens

Microsoft Excel

Microsoft Copilot

Microsoft Office

Job description

Georgia Banking Company is seeking a Senior Credit Underwriter to join our credit team. You will underwrite a broad range of commercial credit requests—from traditional community banking relationships to large, complex C&I and sponsor-backed transactions.

You will analyze financial performance, cash flow, leverage, collateral, and risk, and prepare clear credit memoranda. The role includes mentoring junior analysts and supporting real estate underwriting when needed, with a hybrid in-office