Commercial Underwriter (Floorplan)

Position Overview

Atrium is seeking on behalf of our client a Commercial Underwriter of floorplan lending to evaluate and structure complex inventory-based lending facilities, ensuring sound credit decisions and risk management practices. This role partners closely with originations, senior leadership, and internal stakeholders to deliver high-quality underwriting and portfolio management. Must be legally authorized to work in the United States.

Responsibilities

• Prepare detailed credit memoranda for large dealer relationships, analyzing cash flow, liquidity, leverage, and collateral.
• Perform in-depth cash flow analysis using financial spreading tools and underwriting models.
• Structure complex revolving inventory/asset-based lending facilities and recommend covenants and risk mitigants.
• Issue credit decisions within delegated authority (up to $10MM) per internal policy.
• Lead and support transactions $10MM+, collaborating with originations and leadership.
• Interpret financial statements and tax returns to assess liquidity, leverage, and profitability.
• Review legal documentation and UCC filings to ensure collateral perfection.
• Complete special reviews such as increases, overlines, and covenant triggers.
• Communicate with internal teams, auditors, and external partners to meet deadlines.
• Prepare and deliver presentations to executives and credit committees.

Required Experience/Skills

• 5+ years in commercial lending, underwriting, or financial analysis; floor plan lending required.
• Experience underwriting and managing $10MM+ transactions.
• Strong knowledge of asset-based lending and inventory finance structures.
• Advanced financial analysis skills, including spreading statements and ratio evaluation.
• Familiarity with regulated lending environments and audit processes.
• Excellent written credit narrative and presentation skills.
• Ability to manage multiple priorities in a fast-paced setting.
• Proficiency in Microsoft Office, Salesforce, and DocuSign.

Education Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field required.
• Advanced degree (MBA) or professional certifications (CFA, CPA) preferred.

Benefits

If eligible under the ACA, medical, dental and vision benefits and time off in accordance with local paid sick time laws will be offered. Additional benefits may include paid holidays, a 401(k)-retirement plan, life insurance, disability coverage, and an employee assistance program, where applicable. Other compensation programs may include overtime, shift differentials, bonuses, commissions, or other incentive compensation, where applicable.

Commitment to Diversity

As a woman-owned firm, we value diversity. We are an equal opportunity and affirmative action employer and will consider all applications without regard to race, sex (including gender, pregnancy, sexual orientation and gender identity), age, color, religion or creed, national origin or ancestry, veteran status, disability (physical or mental), genetic information, citizenship or any other characteristic protected by law. We will ensure that individuals with disabilities are provided with reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Candidates who apply for roles through the Atrium website will be added to our candidate pool and may be considered for additional roles of a similar title. Please contact us to request an accommodation.

EOE/M/F/D/V/SO

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