Job Description

Senior Credit Underwriter

Location : Phoenix, AZ

What You’ll Do

As the Senior Credit Underwriter , you will:

1. 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.
2. Evaluate and Approve Credit: Produce projections, pro-forma statements, and sensitivity analyses while preparing detailed credit presentations for loan approvals or denials.
3. Monitor and Manage Credit Portfolios: Conduct annual reviews, ensure compliance with loan covenants, manage ticklers, and monitor outstanding credit risks.
4. Act as a Trainer and Resource: Support Relationship Managers and Junior Underwriters with guidance on interpreting financial statements and best practices in credit analysis.
5. Enhance Processes and Tools: Provide input to improve technology workflows, automations, and Integro360 platform functionality.
6. 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.

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