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Senior Underwriting Officer

In this position, you will be responsible for underwriting and risk assessment of complex banking loan transactions.

Primary responsibilities include:

  • Review the strength and experience of obligors, transaction terms and ability to structure large transactions typically ranging over $2 million.

  • Prepare financial statement spreads and review the adequacy of supporting financial information; obtain additional and/or more current financial data as necessary

  • Obtain and analyze credit reports, bank checks and perform other appropriate credit investigations

  • Analyze key financial results, ratios and transaction structure elements, including the adequacy of the debt service coverage and loan to value

  • Review the appropriateness of risk ratings and approve transactions within assigned credit authority

  • Prepare comprehensive write ups covering all aspects of risk elements, obligor, credit profile, etc.


  • Minimum 7 years relevant work experience with demonstrated knowledge in commercial lending environment

  • Demonstrated experience with financial statement analysis, cash flow analysis and financial ratios

  • Highly motivated, proactive, and resourceful; innovative with ability to think of alternatives that fit business standards

  • Excellent verbal and written communication skills

  • Basic knowledge of Microsoft Office; strong knowledge of Moody's Risk Analyst Software

  • Bachelor's Degree or equivalent work experience required