Commercial Underwriter

Job description

About this Role The Commercial Banking Underwriter serves as a critical control within the bank's credit risk management framework and is responsible for the independent risk assessment of commercial loan requests. This role provides objective evaluation of creditworthiness, preparing comprehensive credit memoranda that identifies risk factors and exceptions to credit policy , and makes recommendations on credit decisions. In this Role You Will: - Prepare objective underwriting analysis for commercial loan requests including new loans, renewals, extensions, and modifications - Exercise independent judgment to assess the creditworthiness of loan requests, including analyses of borrowers, guarantors, and collateral - Identify transaction risks and propose mitigants to ensure alignment with the Bank's risk appetite - Actively participate in the deal team, collaborating with Relationship Managers, Portfolio Managers, and Regional Credit Officers - Provide well-supported recommendations to arrive at credit decisions - Participate in training to increase proficiency as part of professional development - Perform other duties as assigned Knowledge, Skills and Abilities: Knowledge: - Workin...