Underwriter - Commercial Real Estate Credit CRE
Company: Amerantbank
Location: Miami
Posted on: February 16, 2026
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Job Description:
Job Description Job Description Responsible for providing a
sound, independent and objective assessment and recommendation on
risk factors associated with small business, midsize, large,
complex structures and transactions related to Commercial Real
Estate (CRE) transactions. This position will also oversee credit
risk management and maintenance of credit quality for the
respective assigned portfolio by monitoring relationship trends,
clearing of exceptions, properly assessing and evaluating credit
risk and other key factors, and providing recommendations and
credit solutions which are appropriate to the relationship risk
profile. Responsibilities: Provide transactional support with the
creation of credit memos while maintaining clear understanding of
the Bank’s credit programs and policy and its adherence. Reports to
supervisor all deviation from credit programs and policy. Conduct
analysis/underwriting functions, as needed. Provide support on new
business activities by screening preliminary data and follow up in
obtaining required documentation and conformity to credit
underwriting policy of the bank. Prepare documentation, memos,
and/or presentation as needed. Perform the annual review of
existing credit relationships; Identify necessary risk rating
changes, errors or inconsistencies and recommend modifications to
risk rating as deemed appropriate. This includes calculating and
verifying covenant testing requirements and monitoring loan policy
exceptions, as needed. Support the accurate review and evaluation
of the financial condition and operating performance of CRE
Borrowers for new and existing loan exposures, increases, and
modifications of terms/conditions. Support the large & complex
financial analysis with a high degree of accuracy in terms of
figures and credit risk assessment. Responsibility will also
include the proper identification of loan policy exceptions and
identification of industry/loan structure specific risks/issues
with appropriate mitigating factors. Ability to identify, evaluate,
monitor and make any recommendation deemed necessary to the
supervisor to assess, reduce, eliminate or control any current or
prospective risks to earnings or capital arising from violations
of, or nonconformance with, laws, rules, regulations, prescribed
practices, internal policies and procedures or ethical standards.
Assist in the review and measurement of Bank Borrower’s conformance
with legal covenants, tracking of same and the identification of
compliance or non-compliance This may include assisting Credit
Portfolio Managers and Relationship Managers in collaborating with
other bank units such as Credit Administration, Loan Operations,
Credit Services, Closing areas, and Credit Risk. Assist in the
training process of new underwriters. Specifically, assist the
trainees in the following: adopting the operating procedures of the
department, mastering the various formats used and the credit
criteria applied to the various forms of analysis. Complete or
review and provide feedback on spread financial statements,
comprehensive analysis, and credit approval packages according to
Bank credit programs and policy. Work within the software systems
for loan originations, modifications, annual reviews, and other
presentations to senior management. Responsible for the
administration and monitoring maturities, delinquencies, including
criticized assets reports on a regular basis as well as assisting
in the identifying any “red flags” or problems within the
portfolio. Reports to supervisor all portfolio issues and
irregularities found in these reports. Conduct project site
visits/inspections and report findings. Provide assistance in other
areas within the department, as required, covering during vacation
or absenteeism. Ensure preventive measures are carried out to fully
comply with current rules, regulations and internal policies
relating to risks pertaining to BSA, USA Patriot Act, OFAC and
other AML related issues. Assist management with ongoing projects.
Any other duties as assigned by the Chief Credit Officer or
supervisor. Minimum Education and/or Certifications Requirements:
Bachelor’s degree in business, accounting or finance required.
Master’s degree preferred OR 5 years of credit underwriting/credit
analysis experience in lieu of education. Formal credit training
preferred. Minimum Work Experience Requirements: 7 years of
professional experience credit underwriting/credit analysis.
Knowledgeable of banking products and documentation. Technical
and/or Other Essential Knowledge: Thorough understanding of the
Bank’s credit procedures, programs and policy. Accounting and
credit principles. Proficiency in Microsoft Suite is required;
experience in SQL is a plus. Salesforce, nCino, FIS IBS experience
is a plus. Sound time management and organizational skills
required. Well organized and systematic. Must possess strong
communication skills. This position is hybrid/remote work
eligible.
Keywords: Amerantbank, Miramar , Underwriter - Commercial Real Estate Credit CRE, Accounting, Auditing , Miami, Florida
