Commercial Underwriter

Join Timberland Bank, an 111 Year Legacy of Strength, Stability, and Community Banking For more than 111 years, Timberland Bank has proudly served local businesses, families, and communities with integrity, sound financial judgment, and a relationship-driven approach to banking. Our longevity speaks to our strength-and to the people who make our bank what it is. We are seeking an experienced and motivated Commercial Underwriter to support our commercial lending efforts across all portfolios. This is an excellent opportunity to join a financially strong, well-respected community bank where thoughtful underwriting, collaboration, and long-term relationships are truly valued. Summary / Objective The Commercial Underwriter examines, evaluates, and makes recommendations on loan files for commercial real estate, secured term loans, lines of credit, SBA and commercial construction loans. This role may include limited loan approval authority and plays an important part in developing and supporting loan production and credit administration across the bank. Why You'll Love Working HereTimberland Bank has a solid reputation for conservative, relationship-based banking within the communities we serveLocal decision-making and meaningful community involvementA collaborative culture where underwriting expertise is respected and relied uponProfessional stability with opportunities for long-term career growthCompetitive compensation and benefits Essential Job FunctionsPrepare loan write-ups, credit analysis, and credit proposals for approvalMonitor loans regularly to ensure timely documentation and ongoing creditworthinessPerform portfolio management functions, including:Annual property inspectionsLender evaluations and progress reportsFinancial analysis reviews and credit commentsCredit write-ups for annual renewals and new loansManage loans on a portfolio basis as assignedPresent loan packages to loan committee for approvalAssist with determining loan terms and appropriate borrowing parametersParticipate in and support community activitiesMaintain working knowledge of various government lending programs RequirementsHigh school diploma or equivalent requiredCollege-level coursework in accounting or business preferredTwo- to four-year degree preferred Knowledge, Skills & AbilitiesStrong financial and credit analysis skillsExceptional organizational skills with the ability to manage multiple deadlinesAbility to prioritize time-sensitive tasks with accuracy and attention to detailStrong interpersonal skills and a collaborative, team-oriented mindsetWorking knowledge of state and federal lending regulationsProficiency with Microsoft Word, Excel, and loan production softwareProven commitment to extraordinary customer serviceThorough understanding of bank products and services Physical Demands To successfully perform the essential duties of this position, an individual must be able to meet the physical demands listed above. Regular attendance is an essential function of the job. Reasonable accommodations may be made to assist individuals with disabilities in performing essential job functions. Work Environment The duties of this position are primarily performed on-site in an office setting. If you're looking for a Commercial Underwriter role where your expertise matters-and where you can be part of a bank that has stood strong for more than a century-we invite you to apply and grow with us.