What are the responsibilities and job description for the Commercial Credit Underwriter position at Lowes?
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Your Impact
The Commercial Underwriter plays a key role in Lowe’s Trade Credit Program, responsible for evaluating and approving business-to-business credit for professional and commercial customers. This position underwrites complex Pro and contractor accounts, interprets business financials, assesses risk, and determines appropriate credit lines and terms to support growth while maintaining portfolio quality. The underwriter partners cross-functionally with Sales, Finance, and external financing partners to deliver consistent, timely, and risk-balanced credit decisions. This role is critical to Lowe’s enterprise goal of expanding Pro market share and building a best-in-class commercial credit platform that supports long-term customer relationships and sustainable sales growth.
What You Will Do
Evaluate and underwrite commercial/Pro customer credit requests, including review of business financial statements, trade references, credit reports, and payment performance.
Prepare and document comprehensive credit packages, making recommendations or approvals within delegated authority limits.
Partner with sales and relationship teams to gather necessary financial information and ensure alignment between credit structure and customer needs.
Collaborate with third-party financing partners and internal risk functions to maintain consistency and accuracy in credit decisions.
Monitor existing accounts and portfolio trends, identifying early warning indicators and recommending appropriate actions.
Support enhancements to underwriting models, policies, and reporting tools to improve efficiency and decision quality.
Provide guidance to internal partners on B2B trade credit principles, terms, and practices.
Participate in cross-functional initiatives to strengthen fraud prevention, lien management, and credit controls.
Communicate credit decisions and rationale clearly and professionally to leadership and field teams.
Minimum Qualifications
Bachelor's Degree Business, Finance or related field or equivalent experience
3 Years of commercial, Business to Business, or trade credit underwriting experience, including financial statement analysis and credit risk assessment.
Strong knowledge of credit principles, portfolio management, and small-business lending practices.
Proficiency in credit systems, financial analysis tools, and Microsoft Office applications.
Business to business/small business lending/credit risk/underwriting experience including financial statement analysis.
Preferred Skills/ Experience
Lien based lending experience
Experience with construction, contractor, or building materials industry credit.
Familiarity with UCC filings, mechanic’s lien law, or secured transaction processes.
NACM certification (or ability to obtain).
Advanced NACM designations (CBA, CBF, or CCE).
Experience supporting or implementing a new commercial credit program.
About Lowe’s
Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week, with total fiscal year 2024 sales of more than $83 billion. Lowe’s employs approximately 300,000 associates and operates over 1,700 home improvement stores, 530 branches and 130 distribution centers. Based in Mooresville, N.C., Lowe’s
supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.
Lowe’s is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.