Commercial Underwriter III
Company: Seacoast Bank
Location: Alpharetta
Posted on: February 16, 2026
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Job Description:
Job Description Job Description Location: Metro Atlanta or
Alpharetta, GA JOB SUMMARY: Commercial Underwriters support the
revenue growth and asset quality of the commercial lending line of
business by participating in new client relationship development
activities, functioning as part of the lending partnership,
monitoring existing client relationships, and managing credit risk
to ensure that loans are quality assets and well-structured so as
to mitigate portfolio risk. Understand the nature of the businesses
and industries which the line of business serves. Promote and
support the loan policies, credit culture, and strategic
initiatives of the bank. Examine, evaluate, authorize, or recommend
approval of customer applications for commercial loans. Effectively
manage a commercial loan portfolio. Underwriters will utilize
strong analytical skills, high-level understanding of business
finance, and extensive knowledge to propose and provide solutions
to meet customer needs. ESSENTIAL DUTIES AND 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 Commercial 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. Remain current on market and industry issues, trends,
regulatory pronouncements, and analytical techniques. Exercise time
management and organizational skills. Responsible for assisting
other Underwriters to aid in covering overflow. Adhere to Seacoast
Bank’s Code of Conduct. EDUCATION and/or EXPERIENCE: 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 ten years of relevant experience with
commercial credit analysis, commercial lending, loan structuring,
finance, underwriting, and portfolio management or equivalent.
Competence may be demonstrated through one or a combination of the
following: work experience, training, military experience, and/or
education. Formal commercial credit training preferred. 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. Formal credit training preferred. The Statements
above are intended to describe the general nature and level of work
being performed by people assigned to this position. They are not
intended to be an exhaustive list of responsibilities, duties, and
skills. Because these statements are general, the job description
is used for a variety of purposes including job evaluations;
performance reviews; recruitment; etc. All Associates are required
to adhere to the highest legal and ethical standards applicable to
our industry. It is the policy of Seacoast Bank that all Associates
will be familiar and compliant with all regulatory, legal, ethical
and Bank risk mitigation requirements pertaining to both our
industry and their individual roles. This includes the on time,
successful completion of annual required training post-hire and
effective execution of role responsibilities. LI-PF1
Keywords: Seacoast Bank, East Point , Commercial Underwriter III, Accounting, Auditing , Alpharetta, Georgia
