Credit Underwriter - Loan Review​/Risk Governance

Job Summary

The Underwriter III plays a key role in strengthening the quality of the bank’s commercial credit portfolio by preparing written credit review analyses and recommending appropriate risk ratings for relationships ranging from $1MM to the bank’s legal lending limit. This role supports early identification of credit concerns through financial review, covenant monitoring, and Watchlist analysis, while partnering with lenders to provide thoughtful, risk‑based insight.

Some travel may be required.

• Exercise independent judgment in presenting data, conclusions, and recommendations within applicable regulations, policies, and guidelines.
• Collect and review borrower financial information to assess appropriate credit exposure for relationships ranging from $1MM to $20MM.
• Lead development of written credit review presentations for existing loan relationships and partner with commercial lenders to shape action plans for Watchlist credits.
• Conduct reviews of covenant compliance and collaborate with lenders for resolution to failed covenants.
• Interact with commercial lenders and Risk Management officers to evaluate any potential deterioration of existing borrowers.
• Participate and provide expertise in credit discussions with commercial lenders, market presidents, credit managers, and the Chief Credit Officer.
• Help drive strong portfolio performance by applying sound credit review practices that support early detection of risk, proactive issue management, and effective oversight of commercial relationships.

• Strong time management skills, with the ability to meet strict deadlines and respond to high‑priority requests from management.
• Strong critical thinking skills, with the ability to evaluate information, form sound conclusions, and communicate recommendations clearly in writing and verbally.
• Strong quantitative analysis skills, including the ability to work with multiple variables, analyze large data sets and spreadsheets, and identify and summarize patterns and trends.
• Demonstrated ability to learn new tasks, procedures, and software quickly, along with the underlying concepts that support a broad range of commercial loan risk management responsibilities.
• Strong organizational skills, with the ability to manage multiple priorities while maintaining accuracy and follow‑through.
• Strong attention to detail.
• Proficiency in Microsoft Office and experience working with financial models, worksheets, and spreadsheets.

• Working knowledge of underwriting principles for moderately complex Commercial & Industrial or Commercial Real Estate loans, and certain specialty lending types.
• Bachelor’s degree in finance, accounting, or a related field, or equivalent experience and training in commercial loan credit analysis.
• At least 5 years of commercial lending experience, with a strong emphasis on credit analysis, portfolio risk assessment, and risk management.
• Completion of formal credit training through ABA, RMA, or a comparable internal bank training program.
• Credit Review experience is preferred.

• Access to Marathon Health Clinics providing free visits and prescriptions.
• Generous Paid Time Off benefit.
• Tuition Reimbursement.
• 401(k) match.
• Associate Stock Ownership Plan.
• Daycare Reimbursement.
• Free onsite fitness center and fitness reimbursements.
• Health and Wellness Programs.
• Work/life balance.

Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at  or send us an email at  Centier Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.