Commercial Underwriter-CRE

Commercial Credit Underwriter-CRE

Location: West of Chicagoland

Our client is a well-respected, commercially focused community bank with a strong reputation for relationship banking and disciplined credit culture. Their lending strategy centers around owner-occupied commercial real estate and locally owned businesses, and they're looking to add an experienced Commercial Credit Underwriter to their team.

This is a highly visible role working directly alongside the Chief Credit Officer. You'll become a trusted partner in evaluating commercial lending opportunities, helping maintain the bank's strong credit quality while supporting continued growth.

What You'll Do

• Perform detailed underwriting and financial analysis for commercial lending relationships, with a primary focus on owner-occupied commercial real estate.
• Analyze business and personal financial statements, tax returns, cash flow, collateral, guarantor strength, and repayment capacity.
• Prepare clear, well-supported credit presentations and loan recommendations for approval.
• Assess loan structure, policy compliance, risk ratings, and covenant considerations.
• Partner closely with commercial lenders throughout the underwriting process while maintaining independent credit judgment.
• Participate in discussions around complex credit requests and portfolio management.
• Serve as a key resource to the Chief Credit Officer on commercial credit decisions.

What We're Looking For

• 5-10 years of commercial credit underwriting experience in a community or regional bank.
• Strong experience performing actual commercial underwriting, not simply spreading financials or portfolio administration.
• Significant experience underwriting owner-occupied commercial real estate transactions.
• Solid understanding of commercial financial statement analysis, tax return analysis, cash flow, collateral valuation, and global debt service coverage.
• Excellent written communication skills with the ability to present sound credit recommendations.
• A collaborative mindset with the confidence to ask questions, challenge assumptions when appropriate, and contribute to a strong credit culture.

Why This Opportunity?

This is an opportunity to join a stable community bank where credit is valued, relationships matter, and your underwriting expertise will have a direct impact on the institution. You'll work side-by-side with an experienced Chief Credit Officer in a role that offers meaningful exposure, influence, and long-term growth.

If interested, please contact Kelli Jamison at Sign in to view email or call at 773-572-2993