Commercial Underwriter - Business Credit

Job Summary
The Commercial Underwriter plays a key role in supporting the Bank's lending and risk management objectives by analyzing credit opportunities, identifying risks, and helping business clients gain access to capital. This position partners closely with Relationship Managers, clients, and senior leadership to evaluate loan requests, structure credit solutions, and ensure sound underwriting practices consistent with Bank policy and regulatory guidelines.

The role offers exposure to a broad range of commercial lending activities, including underwriting, portfolio management, client interactions, credit administration, and process improvement initiatives. It is an excellent opportunity for individuals who are analytical, curious, and motivated to expand their commercial banking knowledge while making a meaningful impact on both clients and the communities we serve.

Business Credit team members are collaborative, accountable, and solution-oriented professionals who are committed to balancing prudent risk management with exceptional client service. Successful team members demonstrate sound judgment, strong analytical skills, effective communication, and a willingness to challenge assumptions while continuously seeking opportunities to improve processes and outcomes. They thrive in a fast-paced environment, embrace technology, and play an active role in supporting both their teammates and the Bank's strategic objectives.

Primary Responsibilities
• Evaluate commercial credit opportunities and develop sound, risk-based lending recommendations.
• Analyze financial statements, cash flow, collateral, guarantor support, and industry conditions to assess repayment capacity and credit risk.
• Identify key risks, mitigating factors, policy exceptions, and structural considerations.
• Prepare credit approval memorandums, annual reviews, renewals, and other credit presentations in accordance with Bank policy.
• Monitor portfolio relationships and identify emerging risks, adverse trends, and covenant compliance concerns.
• Partner with Relationship Managers and clients to understand business operations, financing needs, and credit opportunities.
• Participate in client meetings and contribute to structuring appropriate credit solutions.
• Support process improvement initiatives that enhance underwriting quality, consistency, and efficiency.
• Serve as a resource to junior analysts and support their professional development.
• Perform other duties as assigned.

Qualifications and Skills
• Well-developed credit judgment and risk assessment skills.
• Proven financial analysis and problem-solving skills.
• Ability to balance risk management with business growth objectives.
• Results-oriented with a high level of ownership and accountability.
• Strong attention to detail and commitment to quality work.
• Clear and effective written and verbal communication skills.
• Collaborative, solution-oriented team player.
• Ability to manage multiple priorities in a fast-paced environment.
• Proficiency in Microsoft Office applications, particularly Excel and Word.
• Experience utilizing AI tools to enhance efficiency, analysis, research, and communication preferred.

Education and Experience
• Bachelor’s degree in finance, accounting, or economics required.
• A minimum of 2 years’ experience in commercial loan underwriting is required.
• Formal Credit Lending training required.

*This position will comply with all BSA compliance laws and regulations including the Bank’s BSA policy and procedures.

Additional Information
Department: Business Credit • Reports to: Business Credit Manager • Travel: Possible
Classification: Exempt • Employment Type: Full-time • Supervises: None

“Oxford Bank is an equal opportunity employer and is committed to providing equal employment opportunities and an environment free of discrimination and harassment. All employment decisions at Oxford Bank are made without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, veteran or disability status.”