Commercial Underwriter

Commercial Underwriter Countybank Location: Greenwood, South Carolina (on-site) Countybank is seeking a detail-oriented Commercial Underwriter who delivers strong financial analysis, timely recommendations, and effective collaboration with our team. This role is responsible for underwriting credit approval requests for both prospective and existing customers while working closely with business development officers to accurately evaluate requests and support informed credit decisions. We're looking for someone who communicates well, works independently, and contributes to ongoing portfolio monitoring to help assess credit quality and identify emerging risks. Key Responsibilities: Coordinates activities with the lending team to support the workflow of commercial credits, including compliance with loan policy, credit quality standards, and preparation of financial analysis in accordance with the Bank's underwriting procedures. Performs rigorous analysis of financial statements, including sensitivity/scenario analysis, identification of key risks and mitigants, and recommendations based on due diligence to support approval/denial decisions by business development officers and credit administration. Maintains open communication and collaboration between business development teams and Credit Administration by providing clear, timely updates on status, progress, and required information. Ensures transactions conform to the Bank's loan guidelines; assists in identification, disclosures, and appropriate mitigation of policy exceptions as part of the underwriting process. Monitors existing relationships for adherence to loan covenants and conditions; helps maintain required information and ensures timely reporting and documentation. Commercial Loan Review and Underwriting: Manages risk within the commercial loan portfolio through detailed analysis of corporate and individual financials, industry trends, cash flow, and collateral. Engages Credit Administration throughout the process as appropriate based on complexity, risk, or policy considerations. Performs relationship reviews as needed, including assessment of financial condition, management strength, collateral, cash flow, and documentation quality. Monitors annual review progress and provides reporting to Senior Leadership; maintains and updates servicing items and tracking requirements as appropriate. Professional Development: Pursues ongoing professional development through seminars, association meetings, and relevant coursework to remain current on underwriting practices and industry trends. Maintains community involvement through participation in civic clubs and organizations, supporting the Bank's presence and relationships within the market. Education and Experience: Bachelor's degree in finance, business, or related field with a solid working knowledge of income statements and balance sheets preferred. OR Associate's degree in accounting, business, or a related field, with a minimum of 3 to 5 years of experience. Abilities and Skills: Strong critical thinking, problem-solving, and sound judgment; demonstrates creativity in developing practical solutions. Advanced financial analysis and modeling skills. Ability to read, interpret, and analyze personal and business tax returns, financial statements, and credit reports. Strong organizational, interpersonal, and communication skills. Excellent written communication skills and attention to detail. Ability to work independently while collaborating effectively with team members and internal partners. This is a full-time position in a smoke and drug-free workplace. Countybank offers a values-driven culture that supports employee growth, satisfaction, and professional success. Compensation commensurate with experience, education, and qualifications. About Countybank Our Mission: To Serve Our Clients, Our Communities, and Our Employees Countybank began its service to the Greenwood community in 1933, when it was founded by a group of Greenwood businessmen as The County Bank. While the bank has evolved through its history to operate as a complete family of financial services, our core mission has never changed. We remain an independent, locally owned institution that is focused on meeting the financial needs of the families and businesses of Greenwood, Greenville, Greer, Simpsonville, Anderson and surrounding Upstate communities. How We Give Back The Countybank Foundation was formed in 1971, under the leadership of former bank president R. Thornwell Dunlap Jr., to identify specific charitable needs and to distribute funds to selected organizations on a yearly basis. Since 1990, the Foundation has contributed more than one million dollars to a wide variety of local civic, educational, and cultural programs, including the establishment of several college scholarships and endowments. In addition to the Foundation's contributions, Countybank employees spend thousands of volunteer hours in their communities. Currently, more than two-thirds of the associates at Countybank volunteer with local charitable and civic organizations. Learn More Visit us at #J-18808-Ljbffr