Senior Underwriting Manager & Credit Risk Lead

Amerant; Coral Gables (FL); On-site; USD 110,000 - 170,000; Full time

Job summary

Searchbox l.l.c. seeks an experienced credit underwriting leader to supervise a team responsible for transactional support, underwriting, and portfolio management in a Banking environment.

You will coordinate with Credit Administration, Loan Operations, and Risk teams to ensure accurate reporting and rigorous risk assessment while maintaining adherence to credit programs and policies. Strong regulatory knowledge and mentoring skills are essential.

Qualifications

• Bachelor’s degree in business, accounting or finance required.
• Master’s degree preferred OR 5+ years of credit underwriting/credit analysis experience in lieu of education.
• Formal credit training preferred.

Responsibilities

• Supervises team in transactional support with the creation of credit memos and adherence to credit programs and policy.
• Coordinates efforts with Credit Administration, Loan Operations, Portfolio Management, and Credit Risk to streamline processes and maintain report accuracy and credit quality.
• Oversees underwriting functions and screens data prepared by underwriters; supports new business activities and ensures required documentation and policy conformity.
• Manages underwriters in annual reviews; identifies risk rating changes and recommends modifications; verifies covenant testing and policy exceptions.
• Reviews financial condition and operating performance of borrowers for new/existing exposures, increases, and term modifications.
• Performs large/complex financial analysis with high accuracy; identifies loan structure risks and mitigating factors.
• Identifies, evaluates, monitors, and recommends actions to reduce or control risks to earnings or capital.
• Assists in adherence to covenants, liaises with Credit Portfolio Managers and Relationship Managers, and coordinates with other bank units.
• Participates in recruiting, screening, hiring, onboarding, coaching, and mentoring of underwriting staff.
• Supports development and promotion of loan products; oversees training of new underwriters in procedures and credit criteria.
• Prepares and reviews spread financial statements, comprehensive analyses, and credit approval packages per policy.
• Conducts analytics and produces timely data and reporting for the division.
• Works with loan origination, modification, annual reviews, and senior management presentations in software systems.
• Monitors maturities, delinquencies, and criticized assets; flags portfolio issues and reports to supervisor.
• Collaborates with Relationship Managers on client calls and deal structuring.
• Provides coverage during vacations and absences; ensures compliance with AML and related regulations.

Skills

Credit underwriting

Credit analysis

Portfolio management

Supervisory experience

Financial analysis

Regulatory compliance

AML compliance

Education

Bachelor's degree in business/finance

Master's degree preferred

Formal credit training

Tools

Microsoft Office

SQL

Salesforce

nCino

FIS IBS

Job description

Searchbox l.l.c. seeks an experienced credit underwriting leader to supervise a team responsible for transactional support, underwriting, and portfolio management in a Banking environment.

You will coordinate with Credit Administration, Loan Operations, and Risk teams to ensure accurate reporting and rigorous risk assessment while maintaining adherence to credit programs and policies. Strong regulatory knowledge and mentoring skills are essential.