Overview Senior Commercial Underwriter responsible for evaluating the financial strength of commercial customers and making sound credit decisions within established risk parameters. Based in Overland Park, KS, you will review financial statements, identify market and industry factors, and structure credit recommendations aligned with guidelines. You will communicate findings to leadership, manage a portfolio independently, and help improve underwriting processes through efficient practices. This role offers the opportunity to influence risk decisions and partner with cross-functional teams to support growth and risk control.
Responsibilities- Review commercial credit requests by examining financial statements, payment performance, business conditions, and market factors across domestic and international accounts
- Analyze information from internal platforms and third-party sources to identify risk exposure and determine overall credit suitability
- Structure credit recommendations and lending terms that align with company guidelines and acceptable risk levels
- Approve or decline credit within assigned authority while maintaining strong judgment and accountability for each decision
- Engage directly with applicants or business partners when additional clarification is needed to support a thorough evaluation
- Present significant risk considerations, exceptions, or emerging concerns to senior leadership in a clear and actionable manner
- Manage a portfolio of underwriting work independently, prioritizing deadlines and maintaining accuracy with limited oversight
- Contribute ideas that improve underwriting efficiency, consistency, and overall process effectiveness
Key requirements- experience as a senior underwriter or equivalent
- ability to evaluate financial statements and market factors to assess risk
- capacity to structure credit recommendations and lending terms
- independently manage a portfolio and make decisions within authority
- strong communication skills to present findings to leadership
- independent judgment
- clear communication
- time management
- financial statement analysis
- risk assessment
- credit structuring
