Commercial Loan Underwriter
The Woodlands, TXFull-timeSeen todaySeen in employer's feed today
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At a glance
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Requirements
Credentials this posting asks for.
Job overview
The Commercial Loan Underwriter analyzes commercial lending requests and recommends credit decisions in accordance with bank policy, regulatory guidance, and safe-and-sound banking practices. The role assesses borrower creditworthiness, repayment capacity, collateral, and risk; prepares credit memorandums; and supports portfolio monitoring while maintaining asset quality and regulatory compliance.
Skills & qualifications
Skills
Qualifications
Full job description
The Commercial Loan Underwriter is responsible for independently analyzing, underwriting, and recommending credit decisions for commercial lending relationships in accordance with bank policy, regulatory guidance, and safe-and-sound banking practices. The role evaluates the creditworthiness of borrowers, assesses repayment capacity, analyzes collateral protection, identifies risks, and prepares comprehensive credit memorandums to support lending decisions while maintaining strong asset quality and regulatory compliance.
Key Responsibilities:
Credit Analysis & Underwriting
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Analyzes commercial loan requests, which may include C&I, owner-occupied real estate, investor real estate, construction, and specialty lending.
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Evaluate borrower and guarantor financial strength through detailed analysis of:
o Historical and projected financial statements
o Tax returns
o Cash flow and debt service coverage
o Liquidity, leverage, and profitability metrics
o Industry and market conditions
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Assess repayment sources and identify potential credit risks.
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Determine appropriate loan structures, terms, covenants, collateral requirements, and guarantor support.
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Ensure underwriting recommendations align with the Bank's risk appetite and credit culture.
Credit Risk Assessment
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Assign and recommend risk ratings consistent with regulatory guidance and bank policy.
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Identify emerging risks and concentrations by industry, geography, collateral type, and borrower relationship.
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Evaluate sensitivity to economic, market, and interest rate changes.
Loan Structuring & Documentation
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Prepare detailed credit approval memorandums and underwriting analyses.
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Verify completeness and accuracy of borrower financial information and supporting documentation.
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Review appraisals, environmental reports, credit reports, UCC filings, collateral documentation, and other due diligence materials.
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Confirm compliance with approved loan structures and internal lending authorities.
Regulatory Compliance
- Ensure all underwriting activities comply with:
o OCC regulations and guidance
o Safe and Sound Banking Practices
o Bank Secrecy Act (BSA)
o Anti-Money Laundering (AML) requirements
o Community Reinvestment Act (CRA), where applicable
o Internal credit policies and procedures
Portfolio Management Support
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Participate in annual reviews, renewals, modifications, and portfolio monitoring.
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Recommend risk mitigation strategies as needed.
Competencies Required:
- Strong understanding of:
o Commercial credit analysis
o Financial statement analysis
o Cash flow modeling
o Commercial loan structuring
o Risk rating methodologies
o Commercial real estate and C&I lending
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Excellent written and verbal communication skills.
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Strong analytical and problem-solving abilities.
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Ability to work independently and manage multiple priorities in a deadline-driven environment.
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Proficiency in commercial spreading and credit analysis software.
Minimum Qualifications/Experience:
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2 years of commercial credit analysis/underwriting experience
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Experience underwriting middle-market, commercial real estate, and/or C&I lending relationships.
Formal Education & Certification:
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Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field.
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Advanced credit analyses preferred.
Work Status:
- Full-Time.
Supervisory Responsibility:
- Four or more direct reports
Travel:
- No overnight travel expected
Working Conditions:
- Conditions involve lifting no more than ten pounds, sitting, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.
Disclaimer:
This job description is not a comprehensive listing of activities, duties or responsibilities required of the employee. Nothing herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.
Woodforest is an Equal Opportunity Employer, including Disability and Veterans.
Job: *Lending
Organization: *Texas - Houston
Title: Commercial Loan Underwriter
Location: Texas-The Woodlands
Requisition ID: 076073
How this job compares
Set against the 725 open Credit Analyst jobs on Olive Jobs, counted November 7, 2026.
- Pay
- This postingNot listed
- US median$82–125K/yr412 salary ranges
- US median$30–40/hr59 hourly ranges
- Openings
- Olive Jobs lists 36 open Credit Analyst jobs in Texas and 725 across the US. 2% of them nationwide are listed as remote or flexible.
- Hiring the most in Texas
- Huntington National Bank5 open
- Fifth Third Bank, N.A.4 open
- PNC4 open
- Experience
- This posting asks for at least 2 years of experience; Credit Analyst postings that state a minimum ask for 3 years at the median (490 postings).
- Education
- This posting asks for a bachelor's degree; 233 of the 725 open Credit Analyst jobs (32%) ask for a bachelor's degree or higher.
Counted across the open, public US postings on Olive Jobs on November 7, 2026. Pay medians are the middle values of the low ends and of the high ends of postings that list both ends of a range in the same cadence (a yearly salary or an hourly rate); a range's midpoint is halfway between its ends. Pay and experience figures resting on fewer than 20 postings are left out.
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