Commercial Loan Underwriter | Commercial Credit Analyst

Job DescriptionJob DescriptionCommercial Loan Underwriter | Credit AnalystMacon, GA | Full-TimeWhat You Get$85,000 - $100,000 annual salaryOpportunity to grow with an established and expanding community bankLeadership growth opportunities within a stable financial institutionOpportunity to support local businesses and communities through responsible lendingStrong PTO, wellness support, and 401(k) benefitsJoin an organization recognized among top community banks and best places to workJoin a respected community banking team where your credit expertise will directly influence lending decisions, support local businesses, and help build strong financial relationships. This role offers the opportunity to evaluate complex commercial lending opportunities while partnering with experienced banking professionals.What You'll DoAnalyze commercial loan applications and evaluate borrower creditworthiness.Review financial statements, tax returns, cash flow analysis, and collateral documentation.Prepare detailed credit memorandums and loan presentations.Assess loan structures, repayment capacity, and overall credit risk.Monitor existing credit relationships and identify potential risk concerns.Provide credit recommendations for approvals, renewals, and modifications.Partner with lenders and relationship managers throughout the loan origination process.Ensure lending decisions align with internal policies and regulatory requirements.What You Need5+ years of commercial loan underwriting experience within a commercial banking environment.Direct experience underwriting commercial real estate (CRE), commercial and industrial (C&I), owner-occupied, and business lending relationships.Strong commercial credit analysis and risk assessment skills.Experience reviewing borrower financials and preparing credit recommendations.Must reside in Georgia.Commercial banking experience required (insurance underwriting experience does not qualify).