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Commercial Credit Underwriter Jobs (NOW HIRING)

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Commercial Credit Underwriter II

Mount Laurel, NJ

$34.75 - $52/hr

The Commercial Credit Underwriter II ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting ...

Servbank

Senior Commercial Credit Underwriter

Oswego, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Watseka, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Champaign, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Danville, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Hoopeston, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

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Commercial Credit Underwriter information

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$42K

$82.8K

$123.5K

How much do commercial credit underwriter jobs pay per year?

As of Aug 27, 2026, the average yearly pay for commercial credit underwriter in the United States is $82,838.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,000.00 and $97,000.00 per year, depending on experience, location, and employer.

What does a commercial credit underwriter do?

A Commercial Credit Underwriter is responsible for evaluating the creditworthiness of businesses applying for loans or credit products. They analyze financial statements, credit reports, and other relevant data to assess risk and determine whether to approve or decline applications. Their work helps financial institutions minimize risk and make informed lending decisions. In addition to evaluation, they may also recommend loan terms and conditions based on the borrower's financial health.

What are the key skills and qualifications needed to thrive as a commercial credit underwriter?

To thrive as a Commercial Credit Underwriter, you need strong analytical skills, financial statement analysis expertise, risk assessment abilities, and typically a degree in finance, accounting, or a related field. Familiarity with credit analysis software, loan origination systems, and industry-specific databases is commonly required, along with relevant certifications like CFA or CBA. Attention to detail, sound judgment, and effective communication skills help build trust with clients and collaborate with internal teams. These skills and qualities ensure accurate credit decisions, minimize financial risk, and support the institution's profitability.

What are some common challenges commercial credit underwriters face when assessing loan applications?

Commercial Credit Underwriters often encounter challenges such as analyzing complex financial statements from diverse businesses, identifying potential risks that may not be immediately obvious, and keeping up with changing industry regulations. They must balance the need to support business growth with the responsibility of protecting the lender from potential defaults. Collaboration with relationship managers and credit committees is also crucial, as underwriters need to clearly communicate their findings and recommendations to facilitate sound lending decisions.

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

AspectCommercial Credit UnderwriterCommercial Loan Officer
Primary RoleAssess and analyze creditworthiness of commercial loan applicantsOriginate, evaluate, and approve commercial loan applications
CredentialsTypically requires finance, accounting, or related certificationsOften has similar credentials, with emphasis on sales and client relationship skills
Work EnvironmentWork mainly in underwriting departments, analyzing financial documentsWork in banking branches or sales teams, engaging with clients
Industry UsageCommonly employed in banks, credit unions, and financial institutionsUsed in similar financial institutions, focusing on client acquisition

While both roles operate within the commercial lending sector, the Commercial Credit Underwriter primarily evaluates credit risk and financial data, whereas the Commercial Loan Officer focuses on originating and managing client relationships to facilitate loan approval.

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Commercial Credit Underwriter jobs near you
Infographic showing various Commercial Credit Underwriter job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $82,838 per year, or $39.8 per hour.

Commercial Credit Underwriter

Los Angeles, CA • On-site

Mintex Technology
See more jobs at Mintex Technologyexternal

$100K/yr

Full-time

Re-posted 12 days ago

Job description

Title: Commercial Credit Underwriter
Location: Los Angeles, CA
Type: Onsite
Salary: Upto $100,000/yr + Annual Performance Bonus Opportunity + Comprehensive Benefits Package
 
About: A growing commercial bank with a multi-state presence is seeking a Commercial Credit Underwriter to join its expanding commercial lending team in Los Angeles. This position is responsible for analyzing, underwriting, and structuring commercial credit opportunities while partnering with Relationship Managers and senior management to support portfolio growth and maintain strong credit quality.
 
Responsibilities:
  • Underwrite commercial loan requests, including C&I, Commercial Real Estate (CRE), SBA, and USDA-guaranteed loans.
  • Analyze financial statements, tax returns, cash flow, and collateral.
  • Prepare credit presentations and loan recommendations.
  • Structure commercial credit facilities and identify appropriate risk mitigants.
  • Partner with Relationship Managers throughout the underwriting process.
  • Support new loan originations, renewals, and modifications.
  • Maintain strong credit quality while meeting underwriting turnaround expectations.
Qualifications:
  • 2–5 years of commercial credit underwriting experience.
  • Experience analysing commercial financial statements and cash flow.
  • Strong understanding of commercial lending principles and credit risk.
  • Commercial banking experience required; SBA, USDA, or other government-guaranteed lending experience is a plus.
  • Construction lending experience is a plus.
  • Bachelor's degree preferred or equivalent commercial banking experience.