Senior Credit Underwriter
Location : Phoenix, AZ
What You’ll Do
As the Senior Credit Underwriter , you will:
- Analyze and Prepare Credit Reports: Review and spread business and personal financial information, leases, rent rolls, and cash flows for businesses, real estate holdings, and individuals.
- Evaluate and Approve Credit: Produce projections, pro-forma statements, and sensitivity analyses while preparing detailed credit presentations for loan approvals or denials.
- Monitor and Manage Credit Portfolios: Conduct annual reviews, ensure compliance with loan covenants, manage ticklers, and monitor outstanding credit risks.
- Act as a Trainer and Resource: Support Relationship Managers and Junior Underwriters with guidance on interpreting financial statements and best practices in credit analysis.
- Enhance Processes and Tools: Provide input to improve technology workflows, automations, and Integro360 platform functionality.
- Uphold Regulatory Standards: Stay informed on banking regulations and ensure adherence to policies related to credit, privacy, and fair lending.
What We’re Looking For
Required Skills & Experience :
- Bachelor's degree in Accounting, Business, Finance, or related field preferred.
- 5+ years of experience in Commercial Banking, Credit Underwriting, or Portfolio Management.
- 5+ years of SBA Underwriting experience (7A & 504 loans).
- Demonstrated expertise in analyzing financial data, identifying credit risks, and making assertive decisions on loan recommendations.
- Exceptional communication and relationship-building skills with a customer-centric mindset.
- Strong proficiency with financial software platforms (Abrigo Sageworks, FIS Horizon) and Microsoft Office (Word, Excel, Outlook).
- Broad experience in C&I, CRE, and SBA lending.
Preferred Skills :
- Familiarity with regulatory requirements like the Bank Secrecy Act and Fair Lending regulations.
- Experience working in a fast-paced environment with excellent time management and problem-solving skills.
What We Offer
- A collaborative and innovative work environment in Phoenix, AZ.
- Comprehensive benefits package including health, dental, and vision insurance.
- Paid time off, company-paid life insurance, and short/long-term disability.
- 401k with employer match and tuition savings programs.
- An opportunity to grow with a company ranked #1 among Arizona-based banks.
Our Core Values
- Trust : We believe authenticity, honesty, and delivering on promises are essential.
- Positivity : A positive attitude inspires success and transformation.
- Client-Centric Solutions : We listen, understand, and strive to WOW our clients.
- Results-Driven : We own our responsibilities and deliver outcomes that matter.
Join Us
- If you are passionate about helping small businesses succeed and thrive in a dynamic environment, we’d love to hear from you! Apply today and take the next step in your career with us.