Remote Credit Risk Officer Jobs in Miami, FL (NOW HIRING)

Senior Commercial & Industrial (C&I) Underwriter

Location: Hybrid from one of the Florida office locations or Fully Remote (for exceptional candidates)

Department: Commercial Credit

Employment Type: Full-Time

About the Opportunity

A well-capitalized, publicly traded regional bank is continuing to expand its Commercial Banking platform and is seeking experienced Senior C&I Underwriters to join its growing Commercial Credit team.

This is a highly visible role supporting a collaborative, relationship-driven credit culture focused exclusively on Commercial & Industrial lending (no CRE). The ideal candidate is a strong technical underwriter who enjoys partnering with Relationship Managers, structuring complex transactions, and serving as a trusted credit advisor on middle-market and corporate lending relationships.

This opportunity offers exposure to executive credit leadership, a collaborative team environment, strong work-life balance, and long-term career growth.

Key Responsibilities

• Independently underwrite and structure new and existing middle-market and corporate C&I credit relationships
• Prepare comprehensive credit memorandums including detailed financial statement analysis, global cash flow analysis, covenant analysis, collateral evaluation, and risk assessment
• Analyze complex borrower structures, repayment sources, guarantor support, industry trends, and policy exceptions
• Structure credit recommendations and clearly communicate risk, mitigants, and approval rationale
• Partner closely with Relationship Managers to structure financing solutions that meet both client needs and the bank's credit standards
• Perform annual reviews, renewals, modifications, risk rating assessments, and portfolio monitoring
• Monitor covenant compliance, emerging risks, criticized assets, and policy exceptions
• Present and defend underwriting recommendations to senior credit leadership as appropriate
• Mentor and support junior underwriters while contributing to a collaborative team environment
• Ensure compliance with internal credit policy, regulatory requirements, and sound underwriting practices

Required Qualifications

• 7+ years of commercial credit underwriting experience with a strong emphasis on Commercial & Industrial lending
• Proven experience underwriting middle-market and larger corporate C&I relationships
• Demonstrated experience writing complete credit memorandums from initial analysis through recommendation
• Strong financial analysis, cash flow modeling, covenant analysis, and credit structuring skills
• Experience with larger and more complex commercial transactions, typically in the $20MM-$50MM+ range
• Ability to independently evaluate credit risk and confidently defend underwriting recommendations
• Excellent written and verbal communication skills

Preferred Qualifications

• Experience with Asset-Based Lending (ABL), Trade Finance, Syndicated or Participation Lending
• Formal commercial credit training and/or Finance degree
• Experience within a large regional or national banks
• Experience underwriting multi-entity and complex borrower structures
• Experience mentoring junior underwriters or serving as a senior technical resource
• Familiarity with commercial loan origination and credit platforms (nCino, FIS IBS, Salesforce, or similar)

What We're Looking For

The successful candidate is more than just a strong underwriter—they're a collaborative business partner who combines sound credit judgment with excellent communication skills. They can confidently defend their recommendations when appropriate, remain receptive to constructive feedback, and thrive in a team-oriented environment where relationship building and mutual respect are highly valued.

Why Join?

• Well-capitalized, publicly traded regional bank with continued commercial banking growth
• Strong executive visibility and exposure to senior credit leadership
• Clear opportunities for career growth and pipeline to leadership roles for driven candidates
• Collaborative, supportive, family-oriented culture
• Emphasis on work-life balance and employee development
• Hybrid flexibility throughout Florida, with fully remote consideration for exceptional candidates
• Competitive compensation:
  • Base Salary: $150,000-$160,000
  • Target Annual Incentive: base of 15% (up to 24%)
  • Comprehensive benefits package