What are the responsibilities and job description for the Commercial Credit Analyst / Underwriter position at Insight Global?
Job Description
A local community bank is seeking to hire a full time Commercial Credit Analyst/Underwriter that will sit hybrid onsite in Columbus Ohio. The Commercial Credit Analyst/Underwriter is responsible for evaluating and analyzing commercial loan applications to ensure sound credit decisions that align with the bank’s risk appetite. This role works closely with relationship managers, credit officers, and loan operations teams to assess risk, recommend structures, and mitigate potential losses.
Essential Duties and Responsibilities:
• Underwrite new and existing commercial credit relationships, including term loans, working capital lines, real estate, and equipment financing.
• Analyze borrower and guarantor financials including tax returns, balance sheets, income statements, cash flow, and debt service capacity.
• Prepare detailed credit memoranda and risk ratings in compliance with internal policies and regulatory requirements.
• Leverage the nCino platform to manage the loan origination process, track workflows, upload supporting documentation, and maintain data integrity.
• Recommend appropriate loan structures, covenants, and risk mitigation strategies based on borrower profile and industry risk.
• Participate in credit committee discussions and assist with presentations as needed.
• Support periodic loan reviews, renewals, and annual reviews to monitor borrower performance and emerging risks.
• Communicate proactively with relationship managers and senior credit leaders regarding deal terms, policy exceptions, and approval conditions.
• Stay current on economic trends, industry sectors, and regulatory developments affecting commercial credit risk.
• Is responsible for protecting the confidentiality, integrity, and availability of the information and systems you access, and must follow all applicable security policies and procedures.
Required Skills & Experience
2 years of experience working with Commercial Underwriting
Commercial Real-estate Underwriting Experience
Formal Credit Training
Proficient in Microsoft Excel, Word, and financial spreading software.
Nice to Have Skills & Experience
Preferred experience with a community bank Proficiency in using nCino for credit underwriting and workflow management
Salary : $90,000
