Underwriter, Commercial Banking

Commercial Underwriter
Join Timberland Bank, an 111 Year Legacy of Strength, Stability, and Community Banking
For more than 111 years, Timberland Bank has proudly served local businesses, families, and communities with integrity, sound financial judgment, and a relationship-driven approach to banking. Our longevity speaks to our strength—and to the people who make our bank what it is.
We are seeking an experienced and motivated Commercial Underwriter to support our commercial lending efforts across all portfolios. This is an excellent opportunity to join a financially strong, well-respected community bank where thoughtful underwriting, collaboration, and long-term relationships are truly valued.
Summary / Objective
The Commercial Underwriter examines, evaluates, and makes recommendations on loan files for commercial real estate, secured term loans, lines of credit, SBA and commercial construction loans. This role may include limited loan approval authority and plays an important part in developing and supporting loan production and credit administration across the bank.
Why You'll Love Working Here

Timberland Bank has a solid reputation for conservative, relationship-based banking within the communities we serve
Local decision-making and meaningful community involvement
A collaborative culture where underwriting expertise is respected and relied upon
Professional stability with opportunities for long-term career growth
Competitive compensation and benefits
Essential Job Functions

Prepare loan write-ups, credit analysis, and credit proposals for approval
Monitor loans regularly to ensure timely documentation and ongoing creditworthiness
Perform portfolio management functions, including:
Annual property inspections
Lender evaluations and progress reports
Financial analysis reviews and credit comments
Credit write-ups for annual renewals and new loans

Manage loans on a portfolio basis as assigned
Present loan packages to loan committee for approval
Assist with determining loan terms and appropriate borrowing parameters
Participate in and support community activities
Maintain working knowledge of various government lending programs
Qualifications

High school diploma or equivalent required
College-level coursework in accounting or business preferred
Two- to four-year degree preferred
Knowledge, Skills & Abilities

Strong financial and credit analysis skills
Exceptional organizational skills with the ability to manage multiple deadlines
Ability to prioritize time-sensitive tasks with accuracy and attention to detail
Strong interpersonal skills and a collaborative, team-oriented mindset
Working knowledge of state and federal lending regulations
Proficiency with Microsoft Word, Excel, and loan production software
Proven commitment to extraordinary customer service
Thorough understanding of bank products and services
Physical Demands
To successfully perform the essential duties of this position, an individual must be able to meet the physical demands listed above. Regular attendance is an essential function of the job. Reasonable accommodations may be made to assist individuals with disabilities in performing essential job functions.
Work Environment
The duties of this position are primarily performed on-site in an office setting.
If you're looking for a Commercial Underwriter role where your expertise matters—and where you can be part of a bank that has stood strong for more than a century—we invite you to apply and grow with us.