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Job Description

A local community bank is seeking to hire a full time Commercial Credit Analyst/Underwriter that will sit hybrid onsite in Columbus Ohio. The Commercial Credit Analyst/Underwriter is responsible for evaluating and analyzing commercial loan applications to ensure sound credit decisions that align with the banks risk appetite. This role works closely with relationship managers, credit officers, and loan operations teams to assess risk, recommend structures, and mitigate potential losses.

Essential Duties and Responsibilities:

Underwrite new and existing commercial credit relationships, including term loans, working capital lines, real estate, and equipment financing.

Analyze borrower and guarantor financials including tax returns, balance sheets, income statements, cash flow, and debt service capacity.

Prepare detailed credit memoranda and risk ratings in compliance with internal policies and regulatory requirements.

Leverage the nCino platform to manage the loan origination process, track workflows, upload supporting documentation, and maintain data integrity.

Recommend appropriate loan structures, covenants, and risk mitigation strategies based on borrower profile and industry risk.

Participate in credit committee discussions and assist with presentations as needed.

Support periodic loan reviews, renewals, and annual reviews to monitor borrower performance and emerging risks.

Communicate proactively with relationship managers and senior credit leaders regarding deal terms, policy exceptions, and approval conditions.

Stay current on economic trends, industry sectors, and regulatory developments affecting commercial credit risk.

Is responsible for protecting the confidentiality, integrity, and availability of the information and systems you access, and must follow all applicable security policies and procedures.

We are a company committed to creating inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity employer that believes everyone matters. Qualified candidates will receive consideration for employment opportunities without regard to race, religion, sex, age, marital status, national origin, sexual orientation, citizenship status, disability, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to Human Resources Request Form (https://airtable.com/app21VjYyxLDIX0ez/shrOg4IQS1J6dRiMo) . The EEOC "Know Your Rights" Poster is available here (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) .

To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/ .

Skills and Requirements

2+ years of experience working with Commercial Underwriting

Proficiency in using nCino for credit underwriting and workflow management

Commercial Real-estate Underwriting Experience

Formal Credit Training

Proficient in Microsoft Excel, Word, and financial spreading software. Preferred experience with a community bank null

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal employment opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment without regard to race, color, ethnicity, religion,sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military oruniformed service member status, or any other status or characteristic protected by applicable laws, regulations, andordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or the recruiting process, please send a request to [email protected].