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Lenders Cooperative · 5 months ago

Lead Commercial Underwriter – Federal Lending Program

Arlington, VA

Full-time

Hybrid

Senior Level, Lead/Staff

7+ years exp

Lenders Cooperative is a forward-thinking organization focused on providing innovative solutions for financial institutions' commercial lending efforts. They are seeking an experienced Lead Commercial Underwriter to evaluate complex loan applications for a federal lending initiative, while also potentially leading a team of underwriters or analysts.

CreditFinancial ServicesLendingSoftware

No H1B

U.S. Citizen Only

Responsibilities

Serve as the primary underwriter and project lead for federal program loan evaluations, overseeing all phases of the underwriting process

Lead credit analysis for loan requests between $10MM and $150MM, including financial review, risk assessment, borrower eligibility, and transaction structure

Draft detailed credit memoranda, including credit ratings, risk factors, and recommendations aligned with guidelines

If needed, recruit, onboard, and manage a team of contract analysts or underwriters to support the engagement

Act as the main point of contact for client stakeholders, legal teams, and internal review committees

Ensure compliance with statutory and programmatic requirements and maintain audit-ready documentation

Qualification

Commercial lending experienceCredit underwritingFinancial modelingRisk assessmentCredit analysisTeam managementAnalytical skillsProject leadPublic-private financial structuresFederal lending familiarityCFAWriting skills

Required

Minimum 7–10 years of experience in commercial lending, structured finance, or credit underwriting, ideally involving large-ticket or government-backed transactions

Proven ability to lead underwriting projects and/or manage teams under tight deadlines

Deep familiarity with complex credit evaluations and public-private financial structures

Strong analytical, writing, and financial modeling skills

U.S. citizenship required (security background check may be required for engagement)