Senior Credit Underwriter & Portfolio Risk Lead

Patriot-Bank,-N.a.; Stamford (CT); On-site; USD 110,000 - 150,000; Full time

Job summary

Patriot Bank is seeking a Senior Administrator who will originate-support, underwrite independently, and manage portfolio risk across HNW, CRE, and C&I lending. The role requires producing high-quality credit analyses and memos, structuring terms and covenants, and collaborating with RMs, Credit Admin, and Loan Operations to close loans.

The candidate should bring deep credit-writing skills, executive-level presentation ability, and 5+ years in commercial credit underwriting, with strong Excel

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 5+ years in progressive commercial credit underwriting and portfolio management at a community or regional bank.

Responsibilities

• Underwrite HNW credit using cash-flow, liquidity, asset analysis, and contingent liabilities.
• Underwrite CRE bridge/transitional, stabilized, and select renovation loans with DSCR, LTV/LTC.
• Underwrite owner-occupied and operating-company credits with cash flow, working capital, and collateral analysis.
• Produce complete credit memos, present to credit committees, and ensure proper documentation and governance.

Skills

Crisp credit writing

Executive-level presentation

Education

Bachelor’s in Finance, Accounting, Economics, or related

Tools

Excel

Office 365

Abrigo LOS

Python

Job description

Patriot Bank is seeking a Senior Administrator who will originate-support, underwrite independently, and manage portfolio risk across HNW, CRE, and C&I lending. The role requires producing high-quality credit analyses and memos, structuring terms and covenants, and collaborating with RMs, Credit Admin, and Loan Operations to close loans.

The candidate should bring deep credit-writing skills, executive-level presentation ability, and 5+ years in commercial credit underwriting, with strong Excel