Credit Administrator III – Underwriting Manager

Position Summary:

The Credit Administrator III – Underwriting Manager is responsible for leading and overseeing the commercial credit underwriting function to ensure high-quality credit analysis, prudent risk assessment, and compliance with bank policies, regulatory requirements, and sound lending practices. This position manages a team of commercial underwriters, provides credit guidance and coaching, and works closely with commercial lenders, credit administration, loan operations, and senior management to support profitable loan growth while maintaining acceptable credit quality.

The Credit Administrator III - Underwriting Manager is responsible for promoting consistent underwriting standards, ensuring timely credit decisions, and identifying potential credit risks within loan requests.

• Supervise, mentor, and develop a team of commercial loan underwriters (Credit Analysts IV & V)
• Establish performance expectations, monitor productivity and turnaround times, and conduct performance evaluations
• Allocate underwriting resources to effectively manage workflow using nCino and ensure consistent application of underwriting standards and credit policies across the underwriting team
• Provide ongoing training and professional development opportunities for underwriting staff
• Underwrite and complete Credit Authorizations in nCino for complex/large commercial, CRE, construction, and SBA loan requests
• Oversee the analysis and underwriting of commercial loan requests, including investment commercial real estate, owner-occupied real estate, construction, C&I, equipment financing, SBA financing, and other commercial lending products
• Ensure thorough evaluation of the loan purpose, loan structure, terms, covenants, conditions, repayment sources, risk rating, and credit metrics align with loan policy
• Analyze financial statements, tax returns, cash flow analyses, global debt service coverage, borrowing bases, collateral valuations, stress tests, and other 3rd party reports
• Identify and elevate complex credit issues and policy exceptions
• Support in quality control requests, internal and external audits, loan reviews, and regulatory examinations
• Participate in customer meetings and credit discussions, when necessary
• Participate in problem loan discussions, workout strategies, and credit risk mitigation efforts
• Support in the achievement of commercial lending production goals while maintaining consistent adherence to loan policy
• Develop and maintain strong working relationships with commercial lenders, credit administration, credit analysts, loan operations, and senior management
• Work with senior management to recommend and implement process improvements to enhance underwriting efficiency and consistency
• Performs other duties as assigned

The Bank Secrecy Act is intended to safeguard the U.S. financial system and the financial institutions that make up that system from the abuses of financial crime, including money laundering, terrorist financing, and other illicit financial transactions. The Board of Directors is committed to complying with both the spirit of the regulations and the letter of the law. All employees are expected to understand and comply with all aspects of the BSA and to perform their job duties in accordance with Bank BSA policies and procedures.

Employees who willfully violate the BSA may be subject to both civil and criminal penalties and termination of employment.

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily
• Minimum of five years experience in commercial lending/underwriting with a deep knowledge of commercial lending, CRE, construction lending, financial statement and tax return analysis, and global cash flow
• Highly Proficient knowledge of Microsoft Office
• Strong ability to understand and follow written and oral instructions
• Advanced ability to communicate effectively verbally and in writing
• Maintain regular, reliable, and predictable attendance to effectively lead a team of loan underwriters, collaborate with lending teams, and fulfill the essential responsibilities of the role.
• This is an on-site position. Remote work will only be considered on a case-by-case basis, must be approved by the Chief Credit Officer, and is based on the needs of the business at the time of the request.
• Reasonable accommodations may be made to enable…