Commercial Underwriter

Shore United Bank is seeking a full-time Commercial Underwriter II to join our team. The Commercial Underwriter II will play a key role in evaluating and structuring commercial lending opportunities by underwriting loans of moderate complexity and supporting the broader credit analysis function. In this role, you'll collaborate cross-functionally, analyze financial data to inform sound credit decisions, and help drive portfolio quality and growth.

You'll operate in a dynamic environment where attention to detail, responsiveness, and strong communication are essential, ensuring timely insights, well-documented analysis, and adherence to regulatory and internal policies.

Essential Functions Include:

* Identifies and responds to opportunities to communicate affiliates products and services to promote the image of the affiliate and promote Shore Bancshares' community of companies' products and services to potential customers and referring those customers to the proper personnel.

* Achieves goals assigned to the Commercial Underwriter as part of the assigned department's annual operating plan.

* Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.

* Coordinates specific work tasks with other personnel within the department as well as with other departments to ensure the smooth and efficient flow of information.

* Communicates with management and staff personnel in order to integrate goals and activities.

* Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.

* Maintains appropriate records and provides assigned reports.

* Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Location:

Shore Bancshares Headquarters: 28969 Information Lane, Easton, MD 21601

Position Type/Expected Hours of Work:

* Full-time.

* Non-exempt.

* Days of Work:
Monday-Friday.

Required

Education and Experience:

* High school diploma/GED equivalent.

* A B.S. or B.A. degree in a related field of study preferred, or a minimum of two-years related experience and specialized financial analysis training.

* Minimum of 1 year experience in a credit underwriting or credit analyst role

* Proficient ability to analyze and interpret financial statements and draw conclusions based on common-sized and trend analyses

* Ability to spread and analyze business and personal tax returns

* Ability to identify source of repayment and perform collateral analysis

* Intermediate knowledge of current lending and loan review regulations and banking regulations, procedures, and operations

Compensation:

* The pay range for this position is $33.75 to $43.00 hourly.

* Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Company Benefits:

* Join a family and community-oriented workplace that offers a team environment, along with a collaborative and friendly place to work.

* Comprehensive benefits package for full-time, permanent employees including health, dental, vision, company-paid life insurance, mental health well-being, short-term and long-term disability, and much more!

* Paid parental leave

* 401k savings plan with up to a 4% company match

* Employee Stock Purchase Plan

* Employee perks such as: employee banking services, loan discount program, education assistance, career development program, Employee Assistance Program, and wellness initiatives.

* Opportunity for growth and advancement

* Paid training program and continuous training sessions throughout the year on various topics

* Generous paid time off and paid sick time

* Community involvement opportunities

Shore United Bank is a full-service financial institution with a rich history dating back to 1876. In excess of $6 billion in assets, we offer innovative financial services delivered with the personal touch you expect. We serve a broad geographic area with branches in Maryland, Delaware, and Virginia, and we also provide a comprehensive suite of digital banking services that allow you to bank with us no matter where life takes you.

In addition to banking, we offer trust and wealth management services through Wye Trust, a division of Shore United Bank. Together, our team of experienced professionals is dedicated to helping you achieve your financial goals.

Shore United Bank is an Affirmative Action/Equal Opportunity Employer. Shore United Bank is an E-Verify participant.