Senior Credit Underwriter

Job Description

Insight Global is seeking a Senior Commercial Underwriter for a top banking client. This senior-level professional will support Commercial & Industrial (C&I) middle-market clients by analyzing complex credit relationships, assessing risk, and preparing comprehensive credit recommendations. The ideal candidate will have a strong commercial banking background with expertise in financial statement analysis, borrowing base lending, covenant testing, and credit memo preparation. This individual will work closely with Relationship Managers and Credit Officers to support new business opportunities and portfolio management while serving as a trusted credit partner for complex commercial lending transactions. Credit expertise, risk management capabilities, and a desire to build a long-term career in underwriting are critical for success in this role.

Day to Day:

• Analyze financial statements, tax returns, and borrower cash flows
• Spread financials and input data into underwriting/credit platforms
• Complete risk grading calculations and ongoing credit monitoring
• Perform borrowing base analysis to determine eligible collateral and lending capacity
• Manage covenant testing and monitor borrower compliance
• Prepare credit memos, approval packages, and periodic portfolio reviews
• Underwrite Commercial & Industrial (C&I) and business banking relationships
• Partner with Relationship Managers and Credit Officers on credit decisions
• Participate in client calls and provide portfolio updates
• Assess risk and recommend loan structures for complex transactions
• Monitor existing credits and provide ongoing risk analysis
• Support underwriting workflow and pipeline management

Skills and Requirements

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or related field
• 5-7+ years of commercial credit underwriting experience within a commercial bank
• Experience underwriting Commercial & Industrial (C&I) middle-market clients
• Experience supporting business banking relationships exceeding $20M in revenue
• Strong financial statement analysis and cash flow modeling experience
• Experience with borrowing base lending analysis
• Experience with covenant monitoring, testing, and compliance management
• Experience preparing and owning complex credit memos and approval packages
• Strong risk assessment and credit decision-making abilities
• Experience synthesizing financial and business information into credit reports
• Current hands-on underwriting experience (not portfolio management or lending-focused)
• Strong communication skills with experience presenting to credit officers and leadership
• Salesforce experience, nCino experience, and Moody's experience
• CPA or advanced financial certification
• Master's Degree in Business or Finance
• Lead underwriter experience on large commercial transactions
• Experience mentoring junior underwriters
• Loan committee presentation experience
• Experience with loan purchases/sales and acquisition due diligence

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal employment opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment without regard to race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or the recruiting process, please send a request to [email protected].