Senior Underwriter – US Commercial and SBA Loans

The Senior Underwriter is responsible for independently analyzing, evaluating, and approving complex credit requests in accordance with company policies, regulatory requirements, and sound underwriting principles. This role requires a deep understanding of financial statements, risk assessment, and loan structuring across various lending products. The Senior Underwriter serves as a subject matter expert and mentor to junior underwriters, ensuring the overall quality and consistency of credit decisions.

Responsibilities

• Credit Evaluation : Analyze financial statements, tax returns, and cash flow projections to assess borrower creditworthiness and repayment ability.
• Risk Assessment : Identify key risks and prepare comprehensive credit memorandums outlining strengths, weaknesses, and mitigants.
• Policy Compliance : Ensure underwriting decisions comply with internal credit policies, underwriting standards, and regulatory guidelines (e.g., OCC, FDIC, SBA, or FNMA, depending on institution).
• Collaboration : Partner with Relationship Managers, Loan Closers, and Credit Administration to ensure timely and accurate processing of credit requests.
• Portfolio Monitoring : Support ongoing risk management by reviewing existing exposures and identifying early warning indicators.
• Training & Mentoring : Guide and review work of junior underwriters, providing coaching and feedback to enhance team performance.
• Process Improvement : Contribute to the refinement of underwriting workflows, documentation standards, and risk models.

Required :

Preferred :

Company background :

STGI is the Indian subsidiary of Summit Technology Group. We are Bankers, Cloud Engineers and Technologists. Our business helps organizations execute progressive operational and technology strategies. We believe that these strategies should leverage modern public cloud platforms and automation capabilities.