riverbank

riverbank

Commercial Loan Underwriter

Spokane, Washington

Sponsorship not specified$81k-$104kDetected 50 min ago
RESTAccountingExcelHRISCommunicationCollaborationProblem SolvingPublic SpeakingMicrosoft OfficeUnderwriting

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Lottery odds (Level II)66
Fits your clock70

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About the role

  • Summary This role serves as a key member of the credit team and is responsible for analyzing, underwriting, and monitoring commercial credit relationships.
  • Confidence can sometimes hold us back from applying for a job.
  • But we'll let you in on a secret: there's no such thing as a 'perfect' candidate.

Responsibilities

  • Maintain strong knowledge of economic, industry, and market trends affecting commercial borrowers.
  • Recommend loan structure, pricing, covenants, collateral requirements, guarantor support, approval conditions, and other terms consistent with client needs and RiverBank risk tolerance.
  • Collaboration & Credit Support
  • Partner closely with Commercial Bankers, Relationship Managers, Associate Relationship Managers, Credit Administration, and other team members throughout the credit lifecycle.
  • May participate in customer and prospect conference calls as appropriate to support credit analysis, relationship development, and borrower discussions.
  • Maintain thorough and complete documentation supporting underwriting conclusions.
  • Support loan review, audits, examinations, internal reviews, and special credit projects as needed.
  • Support consistent portfolio governance and credit quality initiatives.
  • Perform other duties as assigned.

Requirements

  • Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
  • Minimum 3 years of commercial credit underwriting, credit analysis, or related commercial banking experience.
  • Knowledge & Skills
  • Advanced knowledge of accounting principles, commercial financial statement analysis, cash flow modeling, and global debt service analysis.
  • Strong understanding of commercial lending fundamentals, including operating cash flow, working capital needs, capital expenditure financing, collateral protection, covenant monitoring, and repayment capacity.
  • Experience spreading business and personal financial statements and tax returns using Buker's Taxanalysis or a comparable financial spreading platform.
  • Knowledge of commercial loan structures, collateral analysis, covenant compliance, guarantor evaluation, and credit risk assessment.
  • Ability to interpret tax returns, borrowing base reports, appraisals, business valuations, legal entity structures, and loan documentation.
  • Working knowledge of banking regulations, credit administration practices, credit policies, and loan documentation requirements.
  • Proficiency with Microsoft Office applications, particularly Excel, Word, and PowerPoint.

Nice to have

  • Experience with commercial real estate, owner-occupied lending, and community banking preferred.
  • Prior experience with SBA underwriting and Loan Programs preferred.

Compensation

  • $80,965 - $103,905
  • This position is eligible for annual bonus with the first year being pro-rated based on time in position.
  • Employer-paid Life Insurance (two times your annual earnings)
  • Support annual reviews, credit renewals, portfolio monitoring, and ongoing risk assessment activities.

Benefits

  • Equivalent combination of education and relevant commercial banking experience may be considered.

Company info

  • We are seeking a talented Commercial Loan Underwriter to join our high-performing team.
  • We are located in Spokane, WA, and prefer to hire a candidate who lives in the area.

Equal opportunity

  • RiverBank is an equal opportunity employer, committed to hiring a diverse workforce and preserving inclusive hiring practices.
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This listing is sourced directly from riverbank's careers page and normalized into a canonical job model.