What are the responsibilities and job description for the Senior Credit Underwriter position at FinTrust Connect?
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Senior Credit Underwriter -CRE -Tampa, FL
FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Senior Credit Underwriter specializing in Commercial Real Estate. This is a hybrid role based in Tampa, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment.
Why this opportunity?
- Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices
- Workplace: Hybrid in Tampa, FL
- Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management
Requirements:
- Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment
- Bachelor’s degree and formal credit training program preferred
- Proficiency in financial statement analysis, loan structuring, and real estate valuation methods
- Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports
- Knowledge of regulatory guidelines and risk rating methodologies
- Strong Excel and credit modeling skills
Description:
- Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions
- Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy
- Prepare credit presentations and submit recommendations to appropriate credit authorities
- Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements
- Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure
- Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings
- Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance
- Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management