Senior Commercial Real Estate Underwriter - Housing Capital

Responsibilities Perform comprehensive financial and credit analysis for commercial real estate transactions supporting residential development and homebuilder clients Underwrite new credit requests, modifications, renewals, and extensions Prepare and update detailed credit memoranda supporting underwriting recommendations Evaluate borrower financial statements, global cash flow, liquidity, leverage, and repayment capacity Assess and assign accurate risk ratings in accordance with bank policy Conduct quarterly portfolio reviews, including covenant testing and financial analysis Review monthly and quarterly borrower reporting such as project sales, development progress, and budget-to-actual performance Monitor construction and development activity to ensure projects are progressing on time and within budget Perform covenant validation and participate in required portfolio and compliance testing Work closely with Relationship Managers, peer Underwriters, and Loan Administration teams Provide underwriting support and guidance throughout the deal lifecycle Attend occasional client meetings, bank group meetings, and site inspections in support of Relationship Managers Support external-facing activities as appropriate while maintaining primary focus on underwriting responsibilities Utilize internal credit, underwriting, and reporting systems to support underwriting activities Leverage technology solutions, including Copilot and other automation or AI-enabled tools, to enhance efficiency and analysis Adhere to established credit policy, underwriting standards, and documentation requirements Requirements Bachelor’s degree or equivalent experience Five or more years of commercial lending experience Demonstrated experience in commercial real estate underwriting Advanced knowledge of commercial lending policy, government agency compliance (Reg B, H, O, etc.), all applicable laws and regulations, credit quality standards, company and business line policies and procedures Advanced knowledge of credit products Ability to independently underwrite and manage complex CRE transactions Strong analytical and problem-solving skills Strong leadership ability to mentor coordinator the work of others Well-developed written communication and verbal presentation skills Direct experience underwriting homebuilder or residential development lending Prior experience supporting acquisition & development loans, construction financing, or borrowing base facilities Proficiency with Microsoft Office tools, including Teams and advanced Excel capabilities such as VLOOKUPs, pivot tables/charts, PowerPivot or DAX, and Power Query Experience with nCino platform Familiarity with AI-enabled tools #J-18808-Ljbffr Jobtailor