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About the role
Key responsibilities & impact- Analyze and underwrite commercial loan requests, as well as perform periodic reviews of existing loans.
- Ensure compliance with credit union policies, industry standards, and regulations.
- Analyze commercial loan applications, prepare credit approval packages, assess risk, maintain compliance, and recommend loan approval decisions.
- Communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices.
- Evaluate the financial implications of commercial credit decisions and portfolio trends while navigating complex loan structures and collaborating with stakeholders to mitigate associated risks.
- Perform thorough underwriting of commercial loan applications by analyzing borrower financial statements, tax returns, rent rolls, operating statements, business plans, guarantor strength, and industry conditions.
- Conduct financial spreading, cash flow analysis, and probability of default considerations using internal credit tools.
- Engage across the full loan lifecycle - origination, underwriting, closing, renewals, modifications, and ongoing monitoring.
- Streamline underwriting workflows by identifying opportunities for process improvements, documentation efficiencies, and standardized practices.
- Assist in preparing risk rating updates, audit responses, and documentation supporting regulatory exams.
Requirements
What you’ll need- Bachelor's degree in finance, business, or related field.
- At least three years of proven experience in the commercial lending industry, including hands-on expertise in commercial credit analysis and underwriting.
- Experience in underwriting commercial loans, including Commercial & Industrial (C&I) and Real Estate loans (to include construction).
- Proficiency in analyzing financial statements, credit reports, and collateral to assess risk and creditworthiness.
- Familiarity with credit union policies, regulatory requirements, and compliance standards related to commercial lending.
- Experience in monitoring and managing commercial loan portfolios, identifying risks, and implementing strategies for improvement.
- Strong ability to collaborate with stakeholders, including loan officers, legal teams, and borrowers, to structure loans and resolve issues.
- Experience in streamlining underwriting processes to enhance efficiency and effectiveness.
Benefits
Comp & perks- dynamic hybrid work arrangement requiring three days of on-site work in the Houston, TX corporate office
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
commercial loan underwritingcredit analysisfinancial statement analysiscash flow analysisrisk assessmentprobability of default analysisfinancial spreadingloan originationloan closingportfolio management
Soft Skills
communicationcollaborationstakeholder engagementprocess improvementproblem-solvinganalytical thinkingattention to detaildecision-makingorganizational skillsinterpersonal skills