Credit Underwriter II - Portfolio Management​/Commercial Real Estate Banking

In this role, the Credit Underwriter II manages monitoring and maintenance activities for a portfolio of commercial real estate loans, ensuring adherence to credit policies and contributing to the credit approval process.

• Lead the credit analysis process with support from analysts and associates.
• Partner with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements.
• Monitor operating performance and financial condition, proactively identifying issues and opportunities.
• Assist in delivery of financial modeling, loan structure, industry, economic, and other analyses to support loan decision-making.
• Review work of junior teammates to provide feedback and coaching, ensuring compliance with laws, rules, regulations, and policy procedures.
• Possibly hold primary coverage responsibility for a portfolio of clients with credit approval for certain credit actions.
• Participate in loan structure conversations and complete loan documentation with internal/external legal partners.
• Execute post‑close credit activities, including documenting conditions, administering approved extensions, and coordinating related legal documentation.
• Perform comprehensive portfolio monitoring and maintenance activities, including covenant compliance, construction and collateral reviews, financial and guarantor analysis, and ongoing risk assessment.
• Contribute to process improvement and simplification initiatives to enhance portfolio oversight, credit execution, and operational efficiency.

• 5+ years of commercial credit financial analysis and portfolio management experience.
• 5+ years of financial accounting, financial modeling, or loan structuring.
• Commercial Credit Training.

• Bachelor’s degree in finance, accounting, economics, or similar.
• Certificate from an accredited real estate educational program.
• Large money center bank experience.
• CRE portfolio management experience.

• Attention to Detail
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization
• Portfolio Management

1st shift (United States of America)

40

Pay range: $80,000.00 - $ annualized salary.

Discretionary incentive: Eligible to participate in an annual discretionary plan based on individual performance.

Benefits: Industry-leading benefits, access to paid time off, resources, and support to employees for a genuine impact.