Strategic Commercial Credit Underwriter

Oxford Bank; Wixom (MI); On-site; USD 70,000 - 100,000; Full time

Job summary

Oxford Bank is seeking a Commercial Underwriter - Business Credit to analyze credit opportunities, assess risk, and structure sound lending solutions in alignment with policy and regulatory guidelines.

The role partners with Relationship Managers, clients, and senior leadership to evaluate loan requests, monitor portfolios, and drive process improvements while delivering exceptional client service.

Qualifications

• Bachelor's degree in finance, accounting, or economics required.
• Minimum of 2 years’ experience in commercial loan underwriting required.
• Formal Credit Lending training required.

Responsibilities

• Evaluate commercial credit opportunities and develop sound, risk-based lending recommendations.
• Analyze financial statements, cash flow, collateral, guarantor support, and industry conditions to assess repayment capacity and credit risk.
• Identify key risks, mitigating factors, policy exceptions, and structural considerations.
• Prepare credit approval memorandums, annual reviews, renewals, and other credit presentations in accordance with Bank policy.
• Monitor portfolio relationships and identify emerging risks, adverse trends, and covenant compliance concerns.
• Partner with Relationship Managers and clients to understand business operations, financing needs, and credit opportunities.
• Participate in client meetings and contribute to structuring appropriate credit solutions.
• Support process improvement initiatives that enhance underwriting quality, consistency, and efficiency.
• Serve as a resource to junior analysts and support their professional development.
• Perform other duties as assigned.

Skills

Credit judgment

Financial analysis

Risk assessment

Analytical thinking

Attention to detail

Written communication

Verbal communication

Team player

Multi-tasking

Excel

Education

Bachelor's degree in finance, accounting, or economics

Formal Credit Lending training

Tools

Excel

Word

AI tools

Job description

Oxford Bank is seeking a Commercial Underwriter - Business Credit to analyze credit opportunities, assess risk, and structure sound lending solutions in alignment with policy and regulatory guidelines.

The role partners with Relationship Managers, clients, and senior leadership to evaluate loan requests, monitor portfolios, and drive process improvements while delivering exceptional client service.