Pay Growth
?
out of 5
Not enough data
Not enough info to score pay or growth
Commercial Loan Underwriter
Job
BOC Bank
Amarillo, TX (In Person)
$60,000 Salary, Full-Time
Review key factors to help you decide if the role fits your goals.
Job Security
?
out of 5
Not enough data
Calculating job security score...
Total Score
58
out of 100
Average of individual scores
Skill Insights
Compare your current skills to what this opportunity needs—we'll show you what you already have and what could strengthen your application.
Job Description
Commercial Loan Underwriter BOC Bank - 4.0 Amarillo, TX Job Details Full-time $40,000 - $80,000 a year 12 hours ago Benefits Health insurance Dental insurance 401(k) Paid time off Vision insurance Qualifications Microsoft Word Commercial banking expertise Teamwork Underwriting Interpersonal skills Spreadsheets AI tools proficiency Attention to detail Financial data analysis tools Time management Full Job Description BOC Bank is seeking a Loan Underwriter to join our Commercial Loan team. In this role, you will analyze, structure, and recommend credit decisions on a range of commercial loan requests, including commercial and industrial (C&I), commercial real estate (CRE), and small business lending. This is an on-site position based at our Amarillo, Texas office. Key Responsibilities Analyze financial statements, tax returns, cash flow, and global cash flow for commercial borrowers and guarantors to assess repayment capacity and creditworthiness. Prepare clear, well-supported written credit memoranda that summarize the borrower's financial condition, loan structure, collateral, risk factors, and a recommended risk rating. Evaluate collateral adequacy, including review of appraisals, valuations, and loan-to-value calculations. Assign and support accurate risk ratings consistent with the Bank's credit policy and risk-rating framework. Identify and document key credit risks, mitigating factors, policy exceptions, and appropriate loan covenants. Partner with loan officers to gather information, clarify deal structure, and ensure complete and accurate credit packages. Present and defend credit recommendations to loan officers, credit committee, and other approval authorities as needed. Monitor portfolio credit quality, including annual reviews, covenant compliance, and renewals. Maintain organized, audit-ready credit files and documentation. Required Qualifications Demonstrated experience in commercial credit analysis or commercial underwriting. Strong understanding of commercial credit analysis. Working knowledge of C&I and CRE loan structures, collateral types, and loan documentation. Familiarity with banking regulations relevant to commercial lending and fair lending. Excellent written communication skills, with the ability to produce concise, well-reasoned credit memoranda. Strong analytical, organizational, and time-management skills, with the ability to manage multiple deals under deadline. Proficiency with Microsoft Excel and Word; experience with credit analysis or spreading software. Interest in leveraging emerging AI tools to improve underwriting efficiency, while applying independent judgment. Core Competencies Sound credit judgment and attention to detail. Objectivity and integrity in risk assessment. Collaboration and clear communication across lending and credit teams. Ownership and accountability for accurate, timely work. If you're looking for a new career and want to work at a locally owned bank, don't let this one pass you by! Submit your resume and a member of our team will be in touch.