What are the responsibilities and job description for the Sr Commercial Underwriter position at Academy Bank?
Summary
We are seeking an accomplished and detail-oriented Senior Commercial Underwriter to join our team. This role is responsible for evaluating and underwriting complex commercial credit requests, conducting in-depth financial statement analysis, and ensuring sound credit decisions. The ideal candidate will also play a key role in managing team workflow, while providing training, mentorship, and constructive feedback to junior analysts. Exceptional written and verbal communication skills, along with extensive experience in commercial loan review and accounting-based financial analysis, are essential for success in this position.
Responsibilities
We are seeking an accomplished and detail-oriented Senior Commercial Underwriter to join our team. This role is responsible for evaluating and underwriting complex commercial credit requests, conducting in-depth financial statement analysis, and ensuring sound credit decisions. The ideal candidate will also play a key role in managing team workflow, while providing training, mentorship, and constructive feedback to junior analysts. Exceptional written and verbal communication skills, along with extensive experience in commercial loan review and accounting-based financial analysis, are essential for success in this position.
Responsibilities
- Conduct financial analysis and underwriting of complex commercial credits, including commercial real estate and commercial & industrial loans.
- Perform financial statement spreads, complex global cash flow analysis, collateral analysis, and guarantor analysis.
- Concisely summarize credit strengths and weaknesses.
- Manage the workflow of the underwriting team to ensure efficiency and accuracy.
- Provide training, mentorship, and management to junior analysts, offering constructive feedback and guidance.
- Collaborate with other departments to ensure comprehensive credit evaluations and risk assessments.
- Protect all client and bank information confidentially and follow all company policies.
- Understand, communicate, and instill the Company’s mission, vision, and values (Pillars of Success).
- Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
- Working at the worksite during regular business hours and/or assigned hours.
- Other specified duties as assigned.
- Superior written and verbal communication skills.
- Strong analytical and problem-solving abilities.
- Ability to work effectively in a team environment and manage multiple tasks simultaneously.
- Advanced knowledge of financial analysis software and tools (preferred).
- Experience in training and mentoring junior staff (preferred).
- Strong organizational and leadership skills (preferred).