Commercial Credit Underwriter/Portfolio Manager II

September 13, 2025 About the position The position involves evaluating, monitoring, and assessing the credit risks of complex commercial clients and higher dollar loans, typically $10MM and greater. This is achieved through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and evaluating the ability to repay annual debt service. The role requires a proactive approach in managing the credit risk of existing loan portfolios through continuous credit monitoring activities, enabling timely identification of emerging credit risks and appropriate actions to manage them. Responsibilities Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities. Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, and industry research. Analyze financial information and complete credit analyses for the Bank's commercial transactions. Partner proactively with relationship managers throughout the deal process to maintain timely and accurate risk ratings. Prepare cash flow, collateral schedules, covenant sensitivity calculations, and financial models as appropriate. Attend client/prospect calls with relationship managers to understand the client/prospect and their business. Prepare summary, present facts, and offer opinions concerning credit-worthiness during credit request discussions or committee presentations. Apply For This Job