Purpose: The Commercial Loan Underwriter will evaluate the credit worthiness of clients and determine their ability to repay loans and lines of credit. Salary Range $100k - $130K commensurate with experience (This is not a remote position) Essential Job Functions: • Perform financial, cashflow, and credit risk analysis of commercial loan requests • Ability to create interpret and understand tax returns, financial statements, personal financial statements, accounts receivable aging schedules, rent rolls, etc. • Ability to create Excel spreadsheets from the documents listed above. • Interpret and understand appraisal reports, environmental reports, credit bureau reports, ACRIS, LexisNexis,4506-C, etc. • Write thorough and concise loan memoranda supporting recommended lending requests. • Familiarity and adherence to the Bank’s Lending Policy. • Order investigative reports to assist with loan underwriting. • Maintain shared system document portfolio in accordance with Bank standards. • Identify potential credit problems and make recommendations to senior management. • Interact professionally with team members, and other departments within the Bank such as retail branches, loan officers, Loan Administration/Operations, etc. • Assist with other department tasks as needed. Required Knowledge, Skills and Abilities: • Prior commercial loan underwriting experience at a commercial bank • Experience and familiarity with commercial loan underwriting; CRE and C&I • Ability to understand tax returns, financial statements, and other pertinent financial documents • Ability to write thorough, yet concise, loan request memoranda • Excellent attention to details, and ability to adhere to established Bank lending policies • Ability to communicate professionally and concisely with Bank attorneys and brokers. • Fluent with Excel, Word, and Outlook applications