Job Details

Job Description

Commercial Underwriter III (Remote - MS, AL, TN, LA, AR)

We're looking for an experienced Commercial Underwriter III to join our growing Commercial Lending team. This role is responsible for conducting in-depth credit and financial analysis on new loan requests-ensuring safety, soundness, and minimal risk to the organization. You'll focus on more complex loans including LIHTC, large CRE transactions, Commercial & Industrial loans, and will progressively underwrite New Market Tax Credit deals. Experience in renewable energy or solar lending is strongly preferred.

This is a remote position open to candidates based in Mississippi, Alabama, Tennessee, Louisiana, or Arkansas.

Key Responsibilities:

• Partner with loan officers and market leaders to assess credit requests and develop risk mitigation strategies.
  
• Conduct credit reviews for loan packages, evaluating compliance with Credit Union policies and NCUA guidelines.
  
• Analyze business operations, cash flow, financials, collateral, management, and projections.
  
• Utilize tools such as UCA, Net Operating Income, EBITDA, and Global Debt Service to calculate financial ratios.
  
• Research industry trends and market data to support credit analysis.
  
• Review and incorporate third-party reports and financial projections.
  
• Restructure deals as needed and prepare detailed credit memos for Credit Committee review.
  
• Support loan extensions, modifications, and periodic portfolio reviews.
  
• Stay current on NCUA regulations, credit trends, and internal credit culture.
  
• Assist with special projects and administrative duties as needed.
  

Required Qualifications:

• Bachelor's Degree in Finance, Accounting, or related field
  
• 7+ years of experience in commercial credit analysis and underwriting
  
• Strong verbal and written communication skills
  
• Proficient in financial analysis tools, spreadsheets, and credit systems
  

Preferred Qualifications:

• Experience with renewable energy or solar lending
  
• Background in development finance
  
• Familiarity with Moody's KMV, Baker Hill / NextGen, or similar spreading software
  

Key Skills & Competencies:

• Strong analytical and problem-solving abilities
  
• Ability to interpret financial documents and market data
  
• Proficient in evaluating creditworthiness and restructuring loans
  
• Excellent attention to detail and written communication
  
• Organizational awareness and results-driven mindset
  

Work Environment:

• Fully remote role within MS, AL, TN, LA, or AR
  
• Requires reliable internet, a quiet workspace, and ability to collaborate via WebEx, Teams, and email
  
• Reasonable accommodations available for individuals with disabilities
  

What We Offer:

• Paid Vacation & Sick Time
  
• 11 Paid Holidays
  
• 401(k) with Company Match
  
• Medical, Dental, and Vision Insurance
  
• Flexible Spending Account (FSA)
  
• Disability & Life Insurance
  
• Critical Illness & Accident Coverage
  
• Employee Assistance Program (EAP)
  
• Tuition Reimbursement & Professional Development Opportunities
  

Ready to bring your expertise to a mission-driven team? Apply now and help us build stronger communities through responsible lending.

How to Apply:

I partner with companies all over Florida and work with other GPAC recruiters in the U.S. to place qualified candidates with strong companies. To be considered for this position and others, please apply with a resume. With any more questions or inquiries, email Kaleb McCarty at ...@gogpac.com.

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.