Senior Commercial Credit Underwriter

About Atrium:

Client Overview:

Our client is a well-established commercial finance company specializing in inventory finance and floor plan lending solutions for dealer-based businesses nationwide. The organization partners with manufacturers, dealers, and financial sponsors to provide customized revolving credit facilities while maintaining a disciplined credit culture and strong risk management framework. They are currently looking to add a Senior Commercial Credit Underwriter to their team.

Salary/Hourly Rate:

$50/hr – $55/hr

Position Overview:

The Senior Commercial Credit Underwriter will be responsible for analyzing, structuring, and underwriting complex commercial credit facilities, with a primary focus on inventory finance and floor plan lending. This role will prepare comprehensive written credit narratives for large dealer relationships and transactions typically valued at $10MM and above. This is a contract position.

Responsibilities of the Senior Commercial Credit Underwriter:

• Prepare credit memoranda and financial analyses for dealer relationships, evaluating cash flow, liquidity, leverage, collateral, and repayment capacity.
• Structure and underwrite inventory finance and revolving credit facilities, including covenants, collateral controls, and risk mitigation strategies.
• Issue credit decisions within authority limits and support larger transactions in partnership with originations, credit leadership, and senior management.
• Review financial statements, tax returns, legal documentation, and collateral records to assess risk and ensure compliance.
• Present credit recommendations, monitor portfolio performance, and support ongoing risk management and process improvement initiatives.

Required Experience/Skills for the Senior Commercial Credit Underwriter:

• 5+ years of commercial lending, underwriting, credit analysis, or financial analysis experience.
• Direct floor plan lending experience and a proven track record underwriting commercial transactions of $10MM+.
• Strong knowledge of asset-based lending, inventory finance, revolving credit facilities, and dealer-based lending structures.
• Advanced financial analysis skills, including financial statement spreading, tax return analysis, and credit ratio evaluation.
• Strong written and verbal communication skills with the ability to manage multiple priorities in a fast-paced environment.

Preferred Experience/Skills for the Senior Commercial Credit Underwriter:

• Experience with borrowing base analysis, collateral audits, and dealer-based or inventory-heavy lending relationships.
• Knowledge of collateral monitoring, covenant compliance, portfolio risk management, and credit process improvements.

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related field from an accredited college or university is required.

Benefits: 

• Atrium Care Package available, upon eligibility (including healthcare plans, discount programs, and paid time off).

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As a woman-owned firm, we value diversity. We are an equal opportunity and affirmative action employer and will consider all applications without regard to race, sex (including gender, pregnancy, sexual orientation and gender identity), age, color, religion or creed, national origin or ancestry, veteran status, disability (physical or mental), genetic information, citizenship or any other characteristic protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Candidates who apply for roles through the Atrium website will be added to our candidate pool and may be considered for additional roles of a similar title. Please contact us to request an accommodation.
EOE/M/F/D/V/SO