Job Description

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Senior Credit Underwriter -CRE -Tampa, FL

FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Senior Credit Underwriter specializing in Commercial Real Estate. This is a hybrid role based in Tampa, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment.

Why this opportunity?

• Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices

• Workplace: Hybrid in Tampa, FL

• Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management

Requirements:

• Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment
• Bachelor’s degree and formal credit training program preferred
• Proficiency in financial statement analysis, loan structuring, and real estate valuation methods
• Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports
• Knowledge of regulatory guidelines and risk rating methodologies
• Strong Excel and credit modeling skills

Description:

• Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions
• Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy
• Prepare credit presentations and submit recommendations to appropriate credit authorities
• Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements
• Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure
• Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings
• Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance
• Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

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