Sr. Commercial Credit Underwriter

Bluestone Bank; Raynham (MA); Presencial; USD 85.000 - 115.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary with incentives

Medical, dental, and vision coverage

401k with employer match

Tuition reimbursement and training

Paid time off, volunteer hours & 11f

Descripción de la vacante

Bluestone Bank in Raynham, Massachusetts is seeking a Senior Commercial Credit Underwriter to assess the financial condition of existing and prospective borrowers applying for credit. The role involves underwriting, preparing documentation, and guiding other underwriters within the department.

The successful candidate will analyze loan data, generate underwriting memos, assign risk ratings, and support loan officers while ensuring regulatory compliance and quality standards.

Formación

• Bachelor’s degree in business, finance or accounting.
• Three or more years of credit analysis experience.
• Strong financial analytical abilities; detailed oriented.
• Good written and verbal communication skills.
• Ability to quickly learn and properly use various software programs.

Responsabilidades

• Analyzes complex loan data and financial information on new, renewal and existing loans.
• Prepares Credit Memo/Underwriting for commercial credit, remote deposit capture, and ACH.
• Prepares spreadsheets, reports, summaries and opinions for Bank Officers on loans.
• Assigns risk ratings to each borrower.
• Provides technical support to loan officers and other credit analysts.
• Performs all duties in accordance with regulatory guidelines.
• Assumes additional responsibilities as requested.

Conocimientos

Financial analysis

Attention to detail

Communication skills

Software proficiency

Educación

Bachelor’s degree in business/finance/accounting

Herramientas

Software programs

Descripción del empleo

Sr. Commercial Credit Underwriter

Bluestone Bank Raynham, Massachusetts, United States

About this position

Bluestone Bank

Community. Security. Trust. This is the foundation on which Bluestone Bank is built. We've helped Southern New England prosper for over 150 years by providing responsible, relevant, and secure financial solutions. Whether our customer’s unique needs include finding a safe place to grow their savings, financing their next home, protecting their future, or building their business, we are here to help them reach their goals. Let’s get there, together!

In addition to being a great place to bank, Bluestone Bank is a great place to work! Named by the Boston Business Journal as a Best Places to Work in 2025, you are joining a team that cares about your career success and will also receive:

• A competitive salary with performance-based incentives.
• Comprehensive medical with deductible reimbursement, dental, and vision coverage.
• An employer matching 401k plan.
• Training and professional development opportunities, including tuition reimbursement.
• Work life balance with paid time off, paid volunteer hours, and 11 paid holidays.

The Sr. Commercial Credit Underwriter evaluates financial condition of existing and prospective individuals and businesses applying for credit with the Bank, determining credit worthiness. Prepares and reviews all supporting documentation for underwriting and recommends approval or rejection of credit requests. Additionally, the Sr. Commercial Credit Underwriter provides guidance to other Credit Underwriters within the department.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Works independently analyzing complex loan data and financial information on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and Bank files.
• Completes Credit Memo/Underwriting of requests for commercial credit, remote deposit capture, and ACH customers with the Bank.
• Prepares spreadsheets, reports, summaries and opinions for Bank Officers on new, renewal and existing loans.
• receivable and other information on customer accounts. Performs quarterly financial reviews identifying possible negative trends.
• Assigns risk ratings to each borrower of the bank.
• Provides technical support to loan officers and other credit analysts.
• Performs all duties in accordance with prescribed regulatory compliance guidelines.
• Assumes additional responsibilities as requested.

The pay range for this position is $85,000 to $115,000 per year and is the lowest to highest salary we in good faith believe we would pay for this role at the time of this posting. We may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee’s pay position within the salary range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear, reach with hands and arms; and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and the ability to adjust focus.

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under federal, state, and local laws.

Requirements

• Bachelor’s degree in business, finance or accounting.
• Three or more years of credit analysis experience.
• Strong financial analytical abilities; detailed oriented.
• Good written and verbal communication skills.
• Ability to quickly learn and properly use various software programs.