Commercial Loan Underwriter

River Bank is a community bank with a history of service that goes far beyond traditional banking relationships. Our primary mission is to  Make Business Banking Easy  as we support the growth and success of businesses in our community.

River Bank is growing in 2026! We are seeking a talented Commercial Loan Underwriter to join our high-performing team. We are located in Spokane, WA, and prefer to hire a candidate who lives in the area.

This role serves as a key member of the credit team and is responsible for analyzing, underwriting, and monitoring commercial credit relationships. The Commercial Loan Underwriter evaluates new loan requests, renewing/maturing credit facilities, and modifications to existing loans including but not limited to; commercial and industrial lending, owner-occupied real estate, and investor commercial real estate, business/investment lines of credit, equipment financing, and business acquisitions.

The Commercial Loan Underwriter assesses borrower capacity, cash flow, collateral, guarantor support, repayment sources, covenant compliance, and industry risks to develop sound credit recommendations that align with River Bank loan policy, regulatory requirements, and safe-and-sound banking practices. This position partners closely with Commercial Bankers, Relationship Managers, Associate Relationship Managers, Credit Administration, and other lending professionals to deliver timely, well-supported credit decisions while supporting strong portfolio quality and exceptional customer service.

• Underwrite new, renewed, and modified commercial credit relationships ranging from small business credits to complex middle-market lending opportunities.
• Analyze business and personal financial statements, tax returns, borrowing base reports, cash flow trends, collateral, industry conditions, and global debt service capacity.
• Assess borrower creditworthiness, repayment sources, collateral adequacy, guarantor strength, leverage, liquidity, and industry-specific risks.
• Evaluate and structure credit facilities including working capital lines of credit, equipment financing, commercial term loans, business acquisition financing, and commercial real estate loans.
• Recommend loan structure, pricing, covenants, collateral requirements, guarantor support, approval conditions, and other terms consistent with client needs and River Bank risk tolerance.
• Identify policy exceptions, documentation deficiencies, compliance concerns, and appropriate mitigating factors.
• Prepare clear, concise, accurate, and well-supported credit presentations, recommendations, and loan approval packages.

• Monitor borrower financial performance, covenant compliance, approval conditions, and overall credit quality.
• Spread and analyze business and personal financial statements and tax returns in accordance with bank guidelines.
• Calculate and verify covenant compliance and communicate exceptions or violations to lending officers for resolution.
• Determine appropriate risk ratings and identify emerging risks within credit relationships.
• Support annual reviews, credit renewals, portfolio monitoring, and ongoing risk assessment activities.
• Identify signs of portfolio deterioration and recommend corrective actions when appropriate.
• Maintain strong knowledge of economic, industry, and market trends affecting commercial borrowers.

• Partner closely with Commercial Bankers, Relationship Managers, Associate Relationship Managers, Credit Administration, and other team members throughout the credit lifecycle.
• May assist production staff with deal structuring and provide guidance during pre-flight reviews of complex transactions.
• Review and clarify financial information necessary for underwriting and portfolio management.
• May participate in customer and prospect conference calls as appropriate to support credit analysis, relationship development, and borrower discussions.
• Serve as a resource for underwriting standards to all staff.
• Contribute to ongoing credit training, underwriting consistency, and best practices.

• Ensure all recommendations comply with River Bank Loan Policy, regulatory requirements, credit standards, and safe-and-sound banking practices.
• Maintain thorough and complete documentation supporting underwriting conclusions.
• Support loan review, audits, examinations, internal reviews, and special credit projects as needed.
• Complete required training and remain current on regulatory, economic, and industry developments.
• Support consistent portfolio governance and credit quality initiatives.
• Perform other duties as assigned.

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Equivalent combination of education and relevant commercial banking experience may be considered.
• Minimum 3…