Commercial Credit Analyst

Commercial Loan Underwriter

Location: Spokane, WA (preferred) |
Work type: Hybrid/Remote within Washington considered
Reports to: Senior Leadership / Commercial Lending (working closely with lender team)

We’re seeking an experienced Commercial Loan Underwriter to support and strengthen our commercial real estate lending operation. The priority is strong underwriting / credit
—we can train the right underwriter on document preparation using standardized templates (Laser Pro). This role will be central to keeping deals moving and scaling a growing community bank platform based in Spokane.

• Underwrite and recommend approval/decline for commercial real estate loans
  , including construction and “quick in-and-out” projects (often 9–12 month durations).

• Analyze borrower/guarantor financials, global cash flow, rent rolls, appraisals, budgets, draws, and collateral.

• Prepare clear, defensible credit write-ups and support loan committee / leadership decisioning.

• Review and structure participation deals (often shared with multiple participant banks); coordinate documentation review process as needed.

• Prepare and/or coordinate loan documentation using Laser Pro templates (generally “vanilla”/standard docs).

• Ensure documentation package accuracy, completeness, and alignment with approvals/terms.

• Coordinate internally to move files from approval to close efficiently (no attorney-prepared docs as standard practice; counsel may review complex participations when needed).

• Partner closely with lenders and leadership to keep underwriting standards tight and throughput consistent.

• Help build durable lending infrastructure in Spokane as the team evolves over the next 1–2 years.

• Annual volume: approximately $28–$30MM (new + renewals), with about $10MM new volume targeted on the higher end in the current year.

• Typical flow: roughly 15 deals/year (sometimes up to ~20).

• Lending limits: roughly $1.5MM
  , expected to increase over time.

• 3+ years (or equivalent) commercial credit/underwriting experience, ideally with CRE and construction exposure.

• Strong credit fundamentals: collateral evaluation, repayment analysis, borrower strength, guarantor analysis, and risk identification.

• Ability to produce high-quality written credit narratives and communicate risk clearly to leadership.

• Comfortable operating in a lean environment—hands-on, practical, “get it done” mindset.

• Experience with
  participation loans and multi-bank deal coordination.

• Familiarity with Laser Pro (or similar loan doc generation systems).

• Background in community bank or regional bank credit culture.

• Ability and interest to grow into a broader credit leadership role over time.