Underwriter III - Commercial

Location: In-office position based in Troy, Michigan or Clayton, Missouri, United States

Company

hirify.global is a financial services company serving customers through regional credit and banking products.

What you will do

• Prepare loan offerings, risk ratings, scorecards, and other credit analyses for commercial transactions and assigned portfolios.
• Independently identify risks and mitigants, assess creditworthiness, collateral strength, and the financial position of transaction parties.
• Make or recommend credit decisions and perform pre-approval and post-approval activities.
• Gather information from internal and external customers and resolve missing, inconsistent, or incorrect data.
• Confirm regulatory requirements, follow internal policies, coach or review other underwriters, and support special projects or management coverage.

Requirements

• University or college degree, typically a bachelor’s degree, with 3+ years of relevant direct industry experience; a comparable combination of education, job-specific certifications, and experience, including military service, may be considered instead of a degree.
• Knowledge of commercial underwriting, credit analysis and verification, financial analysis, risk assessment, and credit decision-making.
• Ability to work independently with limited oversight and exercise exception and elevated approval authority.
• Accuracy and attention to detail, critical thinking, effective communication, and ability to manage multiple priorities.
• Ability to identify risks, assess mitigants, follow regulatory requirements and internal procedures, and interact with internal and external customers.
• No required certifications or licenses.
• hirify.global will not provide employment visa sponsorship or participate in STEM OPT for this position.
• The position is subject to FDIA Section 19 requirements and, where applicable, SAFE Act and/or FINRA restrictions related to certain criminal histories.

Nice to have

• Certifications related to commercial credit underwriting or financial analysis.
• Experience with process improvement, coaching others, and serving as a subject matter expert for specific asset classes.

Culture & Benefits

• In-office work environment with an inclusive workplace culture and emphasis on customer focus and enterprise risk management.
• Full-time employees may receive medical, dental, vision, life and disability insurance, including a Health Savings Account option.
• Benefits may include 401(k) matching, pension, stock purchase plans, dependent care reimbursement, and family-care support.
• Educational assistance, wellness programs with financial incentives, paid parental leave, up to 11 paid holidays, occasional absence days, and 15–25 vacation days depending on career level and service.