Lowe's Companies, Inc. · 3 hours ago
Commercial Credit Underwriter
Mooresville, NC
Full-time
Onsite
Mid Level
$72K/yr - $121K/yr
3+ years expLowe's Companies, Inc. is a FORTUNE® 100 home improvement company serving millions of customers weekly. The Commercial Credit Underwriter is responsible for evaluating and approving business-to-business credit for professional and commercial customers, ensuring risk-balanced credit decisions while supporting the company's growth in the Pro market.
HardwareHome RenovationManufacturing
Responsibilities
Evaluate and underwrite commercial/Pro customer credit requests, including review of business financial statements, trade references, credit reports, and payment performance
Prepare and document comprehensive credit packages, making recommendations or approvals within delegated authority limits
Partner with sales and relationship teams to gather necessary financial information and ensure alignment between credit structure and customer needs
Collaborate with third-party financing partners and internal risk functions to maintain consistency and accuracy in credit decisions
Monitor existing accounts and portfolio trends, identifying early warning indicators and recommending appropriate actions
Support enhancements to underwriting models, policies, and reporting tools to improve efficiency and decision quality
Provide guidance to internal partners on B2B trade credit principles, terms, and practices
Participate in cross-functional initiatives to strengthen fraud prevention, lien management, and credit controls
Communicate credit decisions and rationale clearly and professionally to leadership and field teams
Qualification
Required
Bachelor's Degree Business, Finance or related field or equivalent experience
3 Years of commercial, Business to Business, or trade credit underwriting experience, including financial statement analysis and credit risk assessment
Strong knowledge of credit principles, portfolio management, and small-business lending practices
Proficiency in credit systems, financial analysis tools, and Microsoft Office applications
Business to business/small business lending/credit risk/underwriting experience including financial statement analysis
Preferred
Lien based lending experience
Experience with construction, contractor, or building materials industry credit
Familiarity with UCC filings, mechanic's lien law, or secured transaction processes
NACM certification (or ability to obtain)
Advanced NACM designations (CBA, CBF, or CCE)
Experience supporting or implementing a new commercial credit program
Company
Lowe's Companies, Inc.
Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving approximately 20 million customers a week in the United States.
10001+ employees
H1B Sponsorship
Lowe's Companies, Inc. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (389)
2024 (310)
2023 (388)
2022 (357)
2021 (242)
2020 (394)
Funding
Current Stage
Public CompanyTotal Funding
$22B2025-09-30Post Ipo Debt· $5B
2025-08-20Post Ipo Debt· $9B
2023-03-28Post Ipo Debt· $3B
Leadership Team
Jennifer Wilson
SVP, Chief Marketing Officer
K
Kathy Higgins
VP IT Business Management
Recent News
Digital Commerce 360
2025-12-31
2025-12-31
Company data provided by crunchbase