Senior Commercial Credit Underwriter

Duration: Direct Hire

Location: Columbus, OH 43235

Summary: The Senior Commercial Credit Underwriter is responsible for evaluating and analyzing commercial loan applications to ensure sound credit decisions that align with the bank’s risk appetite and working with the Chief Credit Officer at maintaining a good credit culture for the Bank. This role works closely with relationship managers, credit officers, loan operations teams and other commercial credit underwriters to assess risk, recommend structures, and mitigate potential losses.

In addition, this role will require to closely with the Chief Credit Officer on improving the Bank’s credit culture that could pertain to changes in loan policy, the Bank’s credit process, or long-term development of other commercial credit underwriters, etc. Experience with nCino, a Salesforce-based loan origination system, is highly preferred

• Underwrite new and existing commercial credit relationships, including term loans, working capital lines, real estate, and equipment financing.
• Analyze borrower and guarantor financials including tax returns, balance sheets, income statements, cash flow, and debt service capacity.
• Prepare detailed credit memoranda and risk ratings in compliance with internal policies and regulatory requirements.
• Leverage the nCino platform to manage the loan origination process, track workflows, upload supporting documentation, and maintain data integrity.
• Recommend appropriate loan structures, covenants, and risk mitigation strategies based on borrower profile and industry risk.
• Participate in credit committee discussions and assist with presentations as needed.
• Support periodic loan reviews, renewals, and annual reviews to monitor borrower performance and emerging risks.
• Communicate proactively with relationship managers and senior credit leaders regarding deal terms, policy exceptions, and approval conditions.
• Stay current on economic trends, industry sectors, and regulatory developments affecting commercial credit risk.
• Is responsible for protecting the confidentiality, integrity, and availability of the information and systems you access, and must follow all applicable security policies and procedures.
• Making suggestions or need changes to improve the Bank’s loan policy and credit process to maintain a good credit culture.
• Assisting or overseeing the long‑term development of other commercial credit underwriters.
• Other duties as assigned.

• Thrive in a high achievement environment.
• Direct experience using nCino’s commercial lending module, including:
• Financial spreading and credit analysis tools
• Approval workflows and exception tracking
• Document management and covenant tracking
• Strong communication skills, including the ability to read, write, and speak English.
• Organizational skills.
• Analytical skills.
• Ability to work independently and collaborate with others.
• Proficient in Microsoft Office.
• Experience with managing a Team.

• Minimum of 5 years’ experience as an analyst or underwriter is required.
• In-depth understanding of financial statement analysis, debt service coverage, leverage, liquidity, and cash flow projections.
• Proficiency in using nCino for credit underwriting and workflow management is strongly preferred.
• Strong knowledge of commercial lending products and structures, including CRE, C&I, SBA (optional), and ABL.
• Familiarity with banking regulations, loan documentation, and risk rating systems.
• Excellent written and verbal communication skills, including the ability to write clear, concise credit memoranda.
• Attention to detail, analytical mindset, and ability to manage multiple priorities in a deadline-driven environment.
• Proficient in Microsoft Excel, Word, and financial spreading software.
• Minimum 2 years experience managing or overseeing a team of commercial credit underwriters.