Specialist II - Loan Underwriting

Atlantic Union Bank; Richmond (VA); Remote; USD 54,000 - 92,000; Full time

Job summary

Atlantic Union Bank in the Richmond area is seeking a Loan Underwriter in Enterprise Banking Operations. The role evaluates borrower financials, collateral, and risk, reviews appraisal reports, and contributes to accurate credit decisions in line with internal policies and investor requirements.

You will gather information, determine risk levels, and coordinate with lending, operations, and risk teams. Requires 2+ years of relevant underwriting experience and may require vocational training;

Qualifications

• 2+ years of relevant underwriting experience.
• May require vocational or technical training.
• NMLS registration may be required.

Responsibilities

• Evaluate loan applications and determine approval or denial per standards.
• Analyze borrower financials, collateral, and risk.
• Review appraisal reports for accuracy and compliance.
• Respond to internal and external inquiries and provide timely decisions.
• Maintain documentation and coordinate with lending, operations and risk teams.
• Perform additional duties as assigned.

Education

Vocational or technical training

Job description

Job Category: Enterprise Banking Operations

Requisition Number: SPECI010599

• Posted : September 29, 2026
• Full-Time
• Remote
• Salary Range : $54,000 USD to $91,800 USD

Locations

Showing 1 location

Description

The Underwriting & Appraisals area is responsible for evaluating credit requests and property valuations to ensure accurate risk assessment, sound credit decisions, and compliance with internal policies, investor requirements, and regulatory standards. Activities may include:

• Analyzing borrower financial information, repayment capacity, collateral strength, and overall creditworthiness
• Reviewing and validating appraisal reports for accuracy and adherence to established guidelines
• Determining risk levels and approval recommendations
• Applying underwriting standards consistently, identifying and mitigating potential risks, maintaining strong documentation practices, and partnering with lending, operations, and risk teams to support timely and high-quality credit decisions

The Loan Underwriting area activities may include:

• Evaluates and approves or denies loan applications according to business unit standards in a timely manner.
• Gathers information as necessary to make sound decisions.
• Responds to internal and external customer inquiries as necessary.
• Performs other duties as necessary to support the goals and objectives of the department and business unit.
• Other duties as assigned.

Requires basic knowledge of job procedures & tools obtained through work experience and may require vocational or technical education. Responsibilities typically include:

• Problems are typically of a routine nature, but may at times require interpretation or deviation from standard procedures.
• Communicates information that requires some explanation or interpretation.

Knowledge & Experience

• Typically requires 2+ years relevant experience
• May require vocational or technical training

Required Certifications/Licenses

• May require obtaining and/or maintaining NMLS registration

Compensation offered will be based on a variety of factors, including but not limited to education, work experience, skills, certifications, and geographic location, etc.

Eligible teammates may participate in a comprehensive benefits package that includes medical, dental, vision, life insurance, disability coverage, paid time off, retirement savings through a 401(k) plan, wellness resources, and other programs designed to support teammates' health and financial well-being, subject to plan terms and eligibility requirements. In addition, certain positions may be eligible for incentive compensation, bonuses, or other variable compensation, subject to applicable plans and performance criteria. General information on our comprehensive benefits package can be found by visiting Employee Benefits | Banking Career Benefits | Atlantic Union Bank

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.