Seacoast Bank · 1 day ago
Commercial Real Estate Underwriter IV
Atlanta, Georgia, United States
Full-time
Onsite
Senior Level, Lead/Staff
12+ years expSeacoast Bank is a financial institution seeking a Commercial Real Estate Underwriter IV to support the revenue growth and asset quality of their CRE lending line of business. The role involves analyzing financial information, managing credit risk, and ensuring loan agreements are accurate and compliant.
BankingFinancial ServicesLending
Responsibilities
Analyze the financial information on existing and potential customers to assess the borrower’s and guarantor’s financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants
Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert
Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions
Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with CRE Bankers on underwriting assignments
Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities
Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank’s exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers’ compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis
Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs
Qualification
Required
A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred
Minimum of 12 years of relevant experience with commercial credit analysis, commercial real estate lending, loan structuring, finance, underwriting, and portfolio management or equivalent
Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions
Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations
Familiarity with various industries and commercial property types
Experience evaluating economic and market conditions in the markets or lines of business served
Experience analyzing collateral and collateral valuation
Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis
Preferred
Formal commercial credit training preferred
Formal credit training preferred
Company
Seacoast Bank
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees.
1001-5000 employees
H1B Sponsorship
Seacoast Bank 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
2024 (4)
2021 (3)
Funding
Current Stage
Public CompanyTotal Funding
$9.19M2014-12-31Post Ipo Equity· $9.19M
1984-02-03IPO
Leadership Team
Juliette P. Kleffel
Executive Vice President, Chief Operating Officer
Recent News
2025-12-09
Yahoo Finance
2024-12-28
2024-12-28
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