Associate, CRE Underwriter

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker's Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

Cross River’s Commercial Banking Group is looking for an experienced commercial real estate (“CRE”) underwriter to join the team and support business growth. The role will report directly to the Head of Underwriting and Processing and will support the CRE and Construction teams with the underwriting of multi‑family, retail, mixed‑use, and office commercial real estate loans.

• Support the CRE and Construction teams with underwriting new transactions
• Gather and analyze relevant information for loan requests, including the review of property details, property financial statements, client data and other pertinent data to determine overall credit worthiness
• Assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures
• Manage third party engagements and order necessary searches to complete the underwriting process
• Prepare credit memos and present loans for approval, with recommendations consistent with bank policy
• Maintain current knowledge of internal policies, as well as economic, financial, political and legislative trends to determine possible impacts on commercial lending
• Perform other duties as assigned

• 3+ years of relevant CRE and construction underwriting experience
• Excellent analytical, organizational, written and verbal communication skills
• Demonstrated ability to manage and prioritize multiple tasks under tight time constraints
• Knowledge of commercial lending trends, competition, regulations, and banking compliance policies and procedures
• Proficiency with Microsoft Office products, especially, MS Excel

• Bachelor’s degree in Real Estate, Finance, Business, Accounting, Economics, or a related field preferred

Salary Range: $75,000.00 - $

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non‑disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.