Commercial Underwriter (Commercial Banking)

Location: Fully onsite in Salem, Oregon, United States

Salary: $62,000–$100,000 per year, with possible performance-based incentive compensation.

Company

hirify.global provides commercial banking services and supports business lending relationships.

What you will do

• Analyze and evaluate new and renewal C&I and CRE credit requests, including working capital lines, asset-based lines, commercial real estate loans, and equipment financing.
• Prepare timely, accurate, and concise credit recommendations with quantitative analysis, risk ratings, loan coding, and policy exception mitigation.
• Spread business and personal financial statements and monitor borrower performance, covenants, approval conditions, and loan documentation.
• Collaborate with Portfolio Managers, Commercial Portfolio Managers, Client Solutions Managers, and Commercial Relationship Managers on credit decisions, customer needs, and loan structures.
• Participate in customer and prospect calls, obtain missing financial information, and support ancillary product approvals.
• Maintain compliance with bank policies, the Bank Secrecy Act, Regulation CC, Regulation E, security requirements, and other applicable regulations; occasional coaching or mentoring may be required.

Requirements

• 2–4 years of commercial credit analysis or underwriting experience, or equivalent experience.
• Intermediate accounting knowledge and the ability to spread company and personal financial statements, including income tax returns.
• Experience using Moody’s Risk Analyst or a comparable financial spreading tool.
• Basic experience analyzing and monitoring commercial lines of credit, term loans, income-property real estate, nonprofit lending, or other specialty lending.
• Experience with bank credit policies, procedures, practices, and documentation, plus strong written, verbal, interpersonal, and presentation skills.
• Proficiency with Microsoft Word, Excel, PowerPoint, and related business software.

Culture & Benefits

• Full-time employment with comprehensive healthcare coverage, including medical, dental, and vision plans.
• 401(k) retirement savings plan with employer match for qualifying contributions.
• Paid vacation, sick days, volunteer days, and holidays.
• Life and disability insurance, employee assistance, mental health resources, tuition assistance, and legal support.
• Additional benefits include identity theft protection, auto and home insurance, pet insurance, and access to an online discount marketplace.
• Equal opportunity and affirmative action employment with accommodation support available for the application and interview process.