Commercial Credit Underwriter

We are currently recruiting for a Commercial Credit Underwriter in Stamford, CT with experience underwriting and managing Commercial Real Estate (CRE) mortgages, Commercial & Industrial (C&I) loans, construction, and other commercial lending transactions. This is a great opportunity to join a Commercial Banking team with exposure to a wide variety of commercial lending transactions. The Credit Officer will work closely with lenders, business development officers, branch management, and investment advisors, and analyze credit opportunities, structure financing solutions, assess risk, and support ongoing portfolio management. This position offers the opportunity to take an active role in customer relationships while serving as a trusted business partner to the lending teams. 110K – 145K Base + Bonus + Benefits Package

Responsibilities:

• Analyze and underwrite commercial lending opportunities, including CRE, C&I, construction, and specialty financing transactions.


• Partner with Relationship Managers and Business Banking Officers to structure financing solutions that meet customer needs while adhering to policy.


• Review and analyze financial statements, tax returns, cash flow projections, credit reports, and supporting documentation.


• Evaluate borrower and guarantor strength, collateral quality, industry trends, and credit risk.


• Conduct cash flow, sensitivity, and stress-testing analyses to assess repayment capacity.


• Review third-party reports, appraisals, environmental assessments, and market studies.


• Prepare comprehensive credit presentations and loan approval packages.


• Recommend risk ratings and appropriate loan structures, terms, and covenants.


• Ensure transactions comply with internal lending policies and regulatory requirements.


• Assist with loan documentation, closing processes, renewals, and modifications.


• Provide guidance and mentoring to junior Credit Analysts.


• Manage an assigned portfolio of commercial credit relationships.


• Perform annual reviews, covenant compliance testing, collateral evaluations, and ongoing risk assessments.


• Monitor borrower performance and identify emerging credit concerns.


• Recommend and implement appropriate risk mitigation strategies.


• Prepare renewal and modification requests and supporting credit analysis.


• Identify and escalate deteriorating credits to senior management when necessary.


• Maintain accurate portfolio records and ensure timely collection of required financials.


• Support customer requests and provide responsive solutions to meet financing needs.


• Partner with lending and business development teams to support existing clients and prospective borrowers.


• Participate in customer meetings, calls, and site visits as needed.


• Build strong working relationships across business lines to support client growth.


• Identify opportunities for cross-selling bank products and services.


• Prepare reports and presentations for senior management and the Board of Directors.

Requirements:

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent professional experience.


• Completion of a formal commercial credit training program or equivalent experience.


• Minimum of 5 years of experience in commercial credit underwriting, portfolio management, commercial lending, or related banking functions.


• Strong understanding of: Commercial Real Estate (CRE) lending, Commercial & Industrial (C&I) lending, Financial statement analysis, Cash flow analysis, Loan structuring, Credit risk assessment, Covenant compliance and Commercial loan documentation.


• Experience with Abrigo loan origination or loan administration software.


• Excellent written, verbal, analytical, and presentation skills.


• Ability to independently assess risk and make sound credit recommendations.


• Local candidates only. Must be in a commutable range to Stamford, CT.