Georgia's Own Credit Union · 2 months ago
Senior Commercial Credit Underwriter
Atlanta
Full-time
Hybrid
Senior Level
6+ years expGeorgia's Own Credit Union is a dynamic financial institution seeking a Senior Commercial Credit Underwriter. This role is responsible for independent underwriting and ongoing portfolio management of commercial loans, collaborating closely with the Commercial Loan Group and the VP- Credit & Portfolio Risk to assess loan opportunities and mitigate risks.
Financial Services
Responsibilities
The Senior Commercial Credit Underwriter will work in a team environment collaborating closely with deal team members during the origination and structuring of new commercial opportunities and will maintain a continuing role in the portfolio management and performance monitoring of the active portfolio
Review commercial loan opportunities. Conduct in-depth review of balance sheets, income statements and tax returns, business plans and projections to assess ability to generate income sufficient to repay existing and proposed debt. Calculate global cash flow and prepare projections when appropriate
Identify risks and assist in structuring the loan to mitigate risks. Assign risk ratings
Accompany Commercial Lending officers on customer calls when needed
Prepare loan approvals for committee presentation. Document business background, outline risk factors/mitigants and justify assigned risk rating, ensuring conformity with Georgia’s Own credit policy and guidelines and with applicable credit union regulations
Assist in presenting loan approvals to committee for consideration as needed
Review construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other relevant information to assess risks associated with the credit union’s collateral position
Assist VP-Credit & Portfolio Risk with portfolio projects as need
Perform independent reviews of portfolio loans to confirm they are closed according to policy and as approved
Ensure compliance with all Federal and State regulatory requirements and internal organization policies
Perform other duties as may be assigned
Qualification
Required
6-8 Years of experience
Bachelor's Degree in Business, Finance, Accounting, or related field
Excellent verbal/written communication, administrative, and computing skills (Microsoft Office)
Minimum of three years of experience in a federally insured financial institution analyzing commercial credit opportunities
Financial services industry experience
Capable of developing strong and cooperative inter-departmental partnerships
Strong communication skills with the ability to facilitate meetings
High integrity and compatibility with the Credit Union core values
Preferred
Credit Union experience preferred
Company
Georgia's Own Credit Union
Georgia's Own was founded in 1934 by a group of telephone employees with an initial investment of $160.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Eric S. Broome
Executive Vice President
Recent News
2025-05-29
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