Senior Commercial Underwriter

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business.

Senior Commercial Underwriter Location: Lebanon, TN

If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

ABOUT US Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees—through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here—feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

POSITION SUMMARY The Senior Commercial Underwriter prepares loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy. This position also reviews underwriting analyses to verify accuracy, consistency, and adherence to Bank credit policy. The Senior Commercial Underwriter serves as a resource for complex commercial requests and loan structures, and coordinates with credit analysts and senior leadership to support timely and well-supported credit decisions. This position reports to the Commercial Underwriting Manager and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission.

Position Duties & Responsibilities

Prepare loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy

Communicate with lenders and loan assistants regarding incomplete loan requests, assisting with resolution as needed

Assign loan requests to credit analysts for financial spreading, cash flow modeling, and comprehensive analysis

Mentor credit analysts regarding loan structure and methodology

Review underwriting analyses prepared by analysts and underwriters to verify accuracy, consistency, and adherence to Bank credit policy

Communicate with lenders and credit analysts regarding incomplete underwriting analyses, assisting with resolution as needed

Serve as a senior technical resource for complex commercial credit requests and loan structures

Partner with Relationship Managers, Credit Administration team, and senior leadership to support timely and well-supported credit decisions

Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness

Maintain strong internal controls and examination preparedness within the underwriting function

Consult with lending team members and provide guidance regarding the commercial underwriting process and loan policy interpretation

Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures

Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks

Attend training as requested

Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program

Participate in outside community activities as required

Perform other duties as assigned

Required Qualifications

Bachelor’s degree in business, accounting, finance or related field

7 years of experience in a related role

5 years of banking experience preferred

Advanced skills with Microsoft Office to include Excel

Solid ability to read, analyze, and interpret personal and business financial statements and related tax returns

Ability to apply technical knowledge and expertise to department policies and procedures

Ability to work on multiple projects simultaneously while accomplishing daily tasks

Effective verbal and written communication skills with strong presentation skills

Excellent interpersonal skills

Critical thinking, problem solving and analytical skills

High standards for integrity, honesty, professionalism, and work ethic

Commitment to service excellence

Ability to work independently while demonstrating excellent organization and follow through

Demonstrate flexible and efficient time management and ability to prioritize workload

Ability and willingness to work with purpose and a strong sense of urgency

Self-motivated, positive, and enthusiastic

Self-starter with a strong desire to exceed expectations

Maintain confidentiality discretion

Ability to effectively work in collaboration with others to achieve business objectives

Willing to grow and be challenged

COMPREHENSIVE BENEFITS & RECOGNITION We believe success should be acknowledged and celebrated. That’s why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees’ contributions are recognized companywide.

GROW WITH US “Grow With Us” is more than a slogan—it’s an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you’ll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.