Job Description

Senior Commercial Loan Underwriter 

Location: Houston Texas

SBA Experience preferred

Position Overview

We are seeking an experienced Senior Commercial Loan Underwriter to support a growing community bank platform. This role will partner closely with C&I and CRE lenders to analyze, structure, and underwrite complex commercial credit transactions while maintaining strong credit quality and regulatory compliance standards.

This position is ideal for a credit professional who thrives in a relationship-driven, collaborative banking environment.

Key Responsibilities

• Analyze and underwrite C&I, CRE, Owner-Occupied RE, SBA, and construction loans

• Prepare detailed credit memorandums including cash flow analysis, global debt service, collateral evaluation, and risk rating assignments

• Assess borrower financial statements, tax returns, borrowing base certificates, and guarantor support

• Structure credit facilities consistent with bank policy, regulatory guidance, and market conditions

• Partner with Relationship Managers to structure and negotiate loan terms

• Present credit recommendations to loan committee and senior management

• Ensure adherence to internal loan policy, underwriting standards, and regulatory requirements

• Monitor covenant compliance and assist with annual reviews and renewals

• Mentor junior credit analysts and support credit training initiatives

Qualifications

• 7+ years of commercial credit underwriting experience in a community or regional bank environment

• Strong background in CRE and C&I underwriting (multi-entity and global cash flow required)

• Experience with loan participations and complex credit structures preferred

• Formal credit training strongly preferred

• Strong understanding of regulatory expectations and risk rating systems

• Proficiency in financial spreading systems (Abrigo/Sageworks, Moody’s, or similar)

• Bachelor’s degree in Finance, Accounting, or related field

Preferred Experience

• Experience supporting lenders in a production-driven environment

• Exposure to criticized/classified asset management

• Strong communication skills with ability to articulate credit decisions clearly

Why This Opportunity

• Stable, well-capitalized community bank

• Strong credit culture and leadership support

• Growth opportunity into Senior Credit Officer or Credit Administration leadership

• Collaborative, relationship-focused environment

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.