Commercial Underwriter

• Analyze credit data to estimate degree of risk in extending credit
• Conduct thorough analysis of financial statements of commercial credit relationships of $2,500,000 and greater
• Perform cash flows, financial credit analysis, and collateral valuations for commercial borrowers
• Accompany relationship managers on customer calls and site visits
• Supervise employees of the Credit Analysis Department in manager’s absence

Commercial Credit Underwriter analyzing credit data for high-value loans

Commercial Credit Underwriter

Commercial Credit Underwriter at Origin Bank analyzing credit data for commercial credit relationships of $2,500,000 and greater. Conducting financial analysis, cash flows, and directing team tasks.

• Works independently with little or no oversight.
• Exercises exception and elevated approval authority.
• Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned.
• Interacts with internal/external customers.
• Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments.
• Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards by analyzing credit, collateral strength and financial worthiness of loan/transaction parties.
• If relevant, performs ongoing credit risk management for assigned portfolio.
• May coach and/or review the work of other underwriters and fill in for manager as required.
• Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information.
• Performs relevant pre-approval and post-approval activities.
• Identifies and/or confirms all external regulatory requirements.
• Ensures internal policies/procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

Underwriter III - Commercial at PNC preparing loan offerings and managing portfolios

Underwriter III – Commercial

Underwriter III - Commercial at PNC with 3+ years experience in credit analysis and customer interaction. Preparing complex loan offerings and ensuring regulatory compliance.

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Commercial Credit Underwriter

Underwriter III – Commercial