Strategic Commercial Credit Underwriter

RiverBank; Spokane (WA); On-site; USD 81,000 - 104,000; Full time

Benefits offered by this job

Annual bonus

Paid vacation

401k match

Healthcare benefits

Job summary

RiverBank in Spokane, WA is seeking a Commercial Loan Underwriter to join our credit team. You will analyze, underwrite, and monitor commercial credit relationships, including working capital lines, equipment financing, and commercial real estate loans.

You will assess borrower capacity, cash flow, collateral, guarantor support, and develop well-supported credit recommendations aligned with RiverBank policies and regulatory requirements.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Equivalent combination of education and relevant commercial banking experience may be considered.
• Minimum 3 years of commercial credit underwriting, credit analysis, or related commercial banking experience.
• Demonstrated experience underwriting C&I credit facilities, including operating lines, equipment loans, working capital facilities, commercial term debt, and cash-flow transactions.
• Experience with commercial real estate, owner-occupied lending, and community banking preferred.
• Prior experience with SBA underwriting and Loan Programs preferred.

Responsibilities

• Underwrite new, renewed, and modified commercial credit relationships ranging from small business credits to complex middle-market lending opportunities.
• Analyze business and personal financial statements, tax returns, borrowing base reports, cash flow trends, collateral, industry conditions, and global debt service capacity.
• Assess borrower creditworthiness, repayment sources, collateral adequacy, guarantor strength, leverage, liquidity, and industry-specific risks.
• Evaluate and structure credit facilities including working capital lines of credit, equipment financing, commercial term loans, business acquisition financing, and commercial real estate loans.
• Recommend loan structure, pricing, covenants, collateral requirements, guarantor support, approval conditions, and other terms consistent with client needs and RiverBank risk tolerance.
• Identify policy exceptions, documentation deficiencies, compliance concerns, and appropriate mitigating factors.
• Prepare clear, concise, accurate, and well-supported credit presentations, recommendations, and loan approval packages.

Skills

Credit analysis

Commercial underwriting

Financial statement analysis

Cash flow modeling

SBA underwriting

Loan structuring

Regulatory knowledge

Microsoft Excel

Education

Bachelor's degree or higher

Tools

Buker's Taxanalysis

Job description

RiverBank in Spokane, WA is seeking a Commercial Loan Underwriter to join our credit team. You will analyze, underwrite, and monitor commercial credit relationships, including working capital lines, equipment financing, and commercial real estate loans.

You will assess borrower capacity, cash flow, collateral, guarantor support, and develop well-supported credit recommendations aligned with RiverBank policies and regulatory requirements.