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Commercial Credit Risk Underwriter Jobs (NOW HIRING)

CRE Finance Council

SVP Credit Underwriter

Miami, FL · On-site

Underwrite complex commercial loan requests, primarily C&I and Commercial Real Estate (CRE ... commercial credit structures preferred. * Knowledge of loan structuring, covenants, risk ratings ...

Marqeta, Inc

Credit Risk Manager

As Marqeta's Credit Risk Manager you will lead credit underwriting and account management for our ... Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau ...

YouLend Limited

Senior Credit Risk Analyst

Atlanta, GA · On-site

... commercial credit * Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

... commercial credit * Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

... commercial credit * Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

New York, NY · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

Seattle, WA · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

Seattle, WA · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

Manhattan, NY · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... Experience managing existing commercial customer portfolios, including ongoing underwriting ...

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Commercial Credit Risk Underwriter information

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$46.5K

$87.3K

$148.5K

How much do commercial credit risk underwriter jobs pay per year?

As of Sep 11, 2026, the average yearly pay for commercial credit risk underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What is the difference between Commercial Credit Risk Underwriter vs Commercial Loan Officer?

AspectCommercial Credit Risk UnderwriterCommercial Loan Officer
Primary RoleAssess and analyze credit risk for commercial loansOriginate, evaluate, and approve commercial loan applications
ResponsibilitiesReview financial statements, credit reports, and risk factorsBuild client relationships, gather loan documentation, and present loan proposals
CredentialsTypically requires finance, accounting, or related certificationsOften requires similar credentials, plus sales or client management experience
Work EnvironmentBank or financial institution's risk management departmentBank branches, commercial lending teams, or financial institutions

While both roles involve working within the commercial lending sector and require financial analysis skills, the Commercial Credit Risk Underwriter primarily focuses on assessing and managing credit risk, whereas the Commercial Loan Officer is more involved in client interaction and loan origination. Understanding these distinctions helps professionals and employers align roles with their expertise and organizational needs.

Is commercial credit risk underwriting a good career?

Commercial credit risk underwriting is a stable career that involves assessing the creditworthiness of business clients, often requiring analytical skills and knowledge of financial statements. It offers opportunities for advancement, typically involves working in financial institutions or lending companies, and may require certifications such as the Chartered Financial Analyst (CFA) or similar credentials.

What does a commercial credit risk underwriter do?

A commercial credit risk underwriter evaluates the creditworthiness of businesses applying for loans or credit lines by analyzing financial statements, credit reports, and industry data. They assess risk levels to determine loan approval, terms, and conditions, often using specialized underwriting software and adhering to company policies. Strong analytical skills and knowledge of financial analysis are essential for this role.

What cities are hiring for Commercial Credit Risk Underwriter jobs?

Cities with the most Commercial Credit Risk Underwriter job openings:

What are popular job titles related to Commercial Credit Risk Underwriter jobs?

For Commercial Credit Risk Underwriter jobs, the most frequently searched job titles are:

SVP Credit Underwriter

Miami, FL • On-site

CRE Finance Council
See more jobs at CRE Finance Councilexternal

Other

Posted 6 days ago

Job description

This is a banking position

We are seeking an experienced Credit Underwriter to underwrite and analyze complex commercial credit requests across C&I, CRE, construction, and owner-occupied lending. This individual will prepare detailed credit presentations, assess risk, structure loan requests, and partner closely with Relationship Managers to support sound lending decisions while maintaining compliance with the bank's credit policy.

Essential Responsibilities
  • Underwrite complex commercial loan requests, primarily C&I and Commercial Real Estate (CRE).
  • Perform detailed financial statement, tax return, cash flow, and global cash flow analysis.
  • Prepare comprehensive Credit Approval Memorandums (CAMs) and credit presentations.
  • Evaluate loan structure, collateral, guarantor strength, and overall credit risk.
  • Recommend loan terms, covenants, risk ratings, and alternative credit structures when appropriate.
  • Analyze corporate and personal financial statements, tax returns, and borrower creditworthiness.
  • Conduct UCC searches, credit reports, bank/trade reference verification, and industry research.
  • Perform collateral analysis, including real estate appraisals, inventory, receivables, and other assets.
  • Partner with Relationship Managers and customers to discuss loan structures and financial trends.
  • Complete annual reviews for assigned commercial loan relationships.
  • Monitor covenant compliance, borrowing bases, and ongoing portfolio risk.
  • Participate in ACL analysis, credit stress testing, loan reviews, and regulatory examinations.
  • Mentor and provide guidance to junior Credit Analysts by reviewing credit presentations and underwriting work.
  • Ensure compliance with internal credit policies and regulatory requirements.
Job Qualifications
  • Bachelor's degree in Finance, Accounting, Business, or related field preferred.
  • 5+ years of commercial credit underwriting experience within a bank.
  • Strong experience underwriting Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans.
  • Experience analyzing financial statements, tax returns, global cash flow, and collateral.
  • Ability to independently prepare Credit Approval Memorandums (CAMs).
  • Experience with construction lending and complex commercial credit structures preferred.
  • Knowledge of loan structuring, covenants, risk ratings, and credit policy.
  • Strong analytical, communication, and organizational skills.
  • Ability to manage multiple underwriting requests in a deadline-driven environment.
  • Experience mentoring junior credit analysts is a plus.
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