Senior Credit Underwriter Date Posted:

1 October 2026

Closing Date:

October 31, 2026

Recruiter:

CIVISTA BANK

Location:

Pittsburgh, Pennsylvania Salary:

USD105,000

to

USD135,000

Job Type & Industry:

Technology Risk Contract Type:

Permanent Job Reference:

2997288422-2 Apply for this job now Job Description Civista Bank is seeking a Senior Credit Underwriter to lead complex commercial and consumer credit evaluation for a growing, community-focused bank. In this role, you'll analyze financial statements, cash flow, collateral, and credit reports to assess risk, structure terms, and prepare detailed credit memos. You will partner closely with relationship managers to support prudent portfolio growth while maintaining strong asset quality. Responsibilities include monitoring portfolio performance, identifying emerging risks, mentoring junior underwriters, and ensuring regulatory and policy compliance in a collaborative, relationship-driven culture. Responsibilities Evaluate and underwrite complex commercial and consumer credit requests within established policies and risk appetite Analyze financial statements, tax returns, cash flow, collateral and credit reports to assess creditworthiness Structure loan terms, covenants, and collateral in partnership with relationship managers to balance risk and growth Prepare clear, well-documented credit memos and recommendations for loan committee and senior management Monitor portfolio performance, identify emerging risks, and recommend action on problem credits Ensure compliance with banking regulations, internal policies, and audit standards Support development of junior underwriters through mentoring and technical guidance Collaborate with lenders and credit admin to improve underwriting processes and credit quality metrics Required Skills Credit underwriting Financial statement analysis Commercial lending Cash flow analysis Risk assessment Loan structuring Credit memo preparation Portfolio management Regulatory compliance Collateral evaluation