Senior Commercial Underwriter (Officer / AVP)
Location: Aurora, IL; Chicago, IL; Downers Grove, IL (Hybrid)
The Senior Commercial Underwriter is responsible for analyzing financial information and underwriting commercial loan requests. This role includes spreading financial statements, assigning risk ratings, preparing exception reporting, and ensuring compliance with internal credit policies and regulatory guidelines.
This individual operates at a high level of autonomy, handling complex credits, working efficiently, and resolving issues independently.
Key Responsibilities
Spread and analyze borrower financial statements in collaboration with commercial lenders
Independently complete complex underwriting assignments
Analyze credit risk and assign appropriate loan risk ratings
Prepare and review monthly exception reporting
Serve as a resource regarding credit policy and regulatory requirements
Partner with lenders on joint customer calls to support credit and sales development
Provide guidance and mentorship to less experienced analysts
Review and discuss complex credit structures, making covenant and structuring recommendations
Assist with preparation of loan presentations
Participate in collateral inspections when needed
Support special projects as assigned
Required Qualifications
Bachelor’s degree in Accounting, Finance, Business, or related field
3+ years of experience in commercial banking, credit, or finance (or equivalent combination of education and experience)
Core Competencies
Strong understanding of financial statements, leverage analysis, and risk ratios
Proficiency in Microsoft Office (Excel, Word, Outlook)
Knowledge of commercial credit principles
Strong written and verbal communication skills
Analytical and problem-solving ability
Effective time management in a fast-paced environment
Preferred Qualifications
5+ years of commercial credit or underwriting experience
Completion of a formal bank credit training program
Experience working within a change management environment
Work Structure
This is a hybrid position combining remote and onsite work, subject to business needs.
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