Job Title: Commercial Underwriter

Location: Dallas, TX (Onsite)

Industry: Community Banking

Experience Level: 2–5 Years

About the Opportunity

Our rapidly growing community bank client is seeking a skilled Commercial Underwriter to join their expanding team in Dallas. This bank has a strong focus on commercial real estate, business acquisition, and construction lending. This is an excellent opportunity for an underwriter who thrives in a collaborative, relationship-focused banking environment and is looking to grow alongside a dynamic institution.

Key Responsibilities

• Underwrite commercial loan requests with an emphasis on CRE, construction, and business acquisition transactions.
• Conduct comprehensive financial analysis, including spreading, cash flow evaluation, risk assessment, and collateral review.
• Perform internal loan reviews and ensure adherence to credit policy, regulatory standards, and risk management guidelines.
• Review and interpret commercial loan documentation, ensuring completeness, accuracy, and compliance.
• Collaborate closely with relationship managers, credit officers, and senior leadership to structure loan terms that align with bank policy and client needs.
• Communicate directly with clients as needed to gather financial information, clarify questions, and support a smooth underwriting process.
• Prepare written credit memos and presentations that clearly outline credit risk and provide well-supported recommendations.
• Utilize financial spreading software and loan origination systems to process and evaluate loan requests efficiently.

Qualifications

• 2–5 years of experience in commercial underwriting within banking or financial services.
• Strong understanding of commercial loan documentation, policies, and regulatory considerations.
• Experience in internal loan review processes.
• Proficiency with financial spreading software and loan origination systems is highly preferred.
• Excellent written and verbal communication skills with the ability to work effectively with both internal stakeholders and clients.
• Bachelor’s degree in Finance, Real Estate, Accounting, or a related field is highly preferred.
• Strong analytical ability, attention to detail, and sound judgment.

Why Join This Bank?

• Opportunity to contribute to a fast-growing community bank with a strong local presence.
• Exposure to diverse commercial deals and meaningful career growth.
• Collaborative culture that values teamwork, client service, and professional development.
• Competitive compensation.