Carter Bank · 2 months ago
Commercial Underwriter
500 E Morehead St, Charlotte, NC 28202, USA
Full-time
Onsite
Mid LevelCarter Bank is seeking a Commercial Underwriter to manage medium to complex commercial relationships primarily in Commercial & Industrial and Investment Real Estate. The role involves conducting financial analysis, evaluating loan proposals, and collaborating with lending professionals to assess borrower repayment capacity and ensure compliance with policies.
BankingCredit CardsFinanceFinancial Services
Responsibilities
Works independently on moderate to complex financial analysis with minimal guidance from members of the credit leadership team and other Commercial Underwriters
Underwrites commercial loan relationships within established service levels
Independently constructs financial models and performs financial analysis, including but not limited to, repayment capacity, discounted cash flows, and enterprise valuation
Identifies underwriting policy and guideline exceptions using working knowledge of established policies and procedures
Maintains working knowledge of best practice and regulatory issues
Assists in the preparation of Industry Studies as assigned that include, but are not limited to, i) a review of the regional and national markets, ii) analysis of the performance of the bank’s portfolio, iii) analysis of the financial stability of the industry and key risks, iv) recommendation to senior and executive management regarding segment limits which ultimately are presented to the bank’s board of directors for approval
May be asked to participate in internal or cross-functional process improvement projects and other management reports
May be asked to participate in or lead the validation of various reports and industry information
Authors annual reviews of assigned relationships with minimal supervision
Assists with industry research as assigned
Qualification
Required
Bachelor's degree in Finance or Accounting and/or Economics with sufficient credits in Accounting
Demonstrates an understanding of credit management, credit operations, and commercial lending
Demonstrates a basic understanding of commercial loan structure and documentation
Prior experience in credit analysis or financial analysis
Excellent customer service skills
Excellent business writing skills
Strong verbal and written communication skills
Excellent interpersonal skills
High level of attention to detail, with strong problem solving & organizational skills
Ability to perform effectively in fast-paced environment, multi-task and prioritize workflow
Working Knowledge of Microsoft Office, especially Word, Excel
Preferred
Working knowledge of loan accounting systems and financial statement spreading systems
Company
Carter Bank
Carter Bank is a community bank that offers loans, credit cards, personal, and business banking services.
Founded in 1974
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Rich Spiker
Senior Executive Vice President, Chief Lending Officer
Tony Kallsen
Senior Executive Vice President & Chief Credit Officer
Recent News
2025-12-10
UPSTATE BUSINESS JOURNAL
2025-11-23
2025-11-21
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