Overview In this CRE-focused role, you underwrite and prepare credit presentations for complex loans and support Relationship Managers in managing a large CRE portfolio. You analyze market data, assess cash flows and debt structures, and provide timely credit recommendations to safeguard repayment prospects. You work with cross-functional partners to ensure accurate risk ratings, policy compliance, and high-quality underwriting outputs. You'll help deepen CRE client relationships while staying aligned with regulatory and bank guidelines.
Compensation / Benefits- comprehensive healthcare coverage (medical, dental, vision)
- 401(k) with employer match
- life insurance
- disability insurance
- tuition assistance
- mental health resources
Responsibilities- Underwrite complex CRE loans (construction, bridge, permanent) and prepare credit presentations for review
- Collaborate with Relationship Managers to monitor a large CRE loan portfolio and deepen client relationships
- Analyze appraisal, market data, and cash flow to assess market and credit risk; evaluate debt service and risk factors
- Ensure accurate risk rating, policy exceptions tracking, and proper loan coding in banking systems
- Monitor borrower financial performance, perform financial statement spreading, and test covenant calculations
- Identify and communicate credit risk to mitigate within new and existing credits; support loan structure optimizations
- Assist or supervise other underwriters/credit analysts to ensure timely, high-quality work
- Maintain regulatory compliance and keep up-to-date on regulatory changes and bank policies
- Provide coaching or training as subject matter expert and contribute to corporate culture and vision
- Participate in customer and prospect calls when appropriate
Key requirements- 7-10 years of commercial underwriting/credit analysis or relevant lending experience
- Advanced analytical and problem-solving skills
- Strong credit quality skills including accounting, financial statement spreading, and cash flow analysis
- Effective time management and ability to juggle multiple tasks
- Ability to collaborate across teams and manage internal/external relationships
- Excellent written, verbal, interpersonal, and presentation skills
- Advanced knowledge of credit policies, procedures, and practices
- Proficiency with Word and Excel; willingness to travel occasionally
- collegial collaboration
- strong communication
- presentation skills
- credit analysis
- cash flow analysis
- financial statement spreading
