Senior Commercial Underwriter - Richmond, NoVa or Remote

At New Horizon, we're building a bank that runs on grit, speed, and execution. We move fast, challenge assumptions, and obsess over doing things better - for our clients and for each other. This isn't a place for red tape; it's a place for builders. From product design to client experience to operations, we're constantly pushing for sharper thinking and smarter solutions. Our team is made up of passionate individuals who share a relentless drive to enhance our services and deliver exceptional experiences. If you're energized by momentum, motivated by results, and excited to shape the future of banking, you'll feel right at home here.

General Job Summary : The Senior Commercial Underwriter is a senior-level; responsible for evaluating, analyzing, and underwriting complex commercial credit requests to support New Horizon Bank's loan growth and asset-quality goals. This position plays a pivotal role in balancing risk mitigation with opportunity by applying sound judgment, advanced financial analysis, and creative structuring to commercial loan decisions. The Underwriter III partners closely with loan officers, relationship managers, and internal teams to gather key information, assess borrower risk, and communicate clear, well-supported recommendations.

This position is ideal for a seasoned, action-oriented commercial credit professional who thrives in a collaborative, fast-paced environment and brings a strategic mindset to structuring deals, managing risk, and delivering exceptional service to internal and external stakeholders.

Essential Duties and Responsibilities :

Underwriting :

• Underwrite commercial credit actions by reviewing financial statements, analyzing borrower risk ratings, and recommending appropriate loan structuring.
• Collaborate with loan officers and other team members to gather additional information and clarify borrower details.
• Ensure all parties are kept informed of underwriting progress and outcomes.
• Communicate decisions and recommendations clearly and effectively to both internal and external stakeholders.
• Provide guidance and support to teammates on underwriting procedures and information needs.
• Prepare detailed reports and documentation to support underwriting decisions.

Analysis :

Risk Management :

Business Support :

Requirements

Required Knowledge, Skills, and Abilities :

Education and Experience :