Sr. Underwriter - CRE
EverBank, Annapolis, MD, United States
Sr. Underwriter - CRE
The Underwriter Sr - CRE applies advanced knowledge of Commercial Real Estate to underwrite new CRE lending opportunities. This position collaborates closely with the originations team to make credit risk determinations in accordance with EverBank policies and procedures.
Key Responsibilities and Duties
Leads the initial credit evaluation and screening of transactions, focusing on qualitative assessment and quantitative evaluation of the new opportunity, including financial modeling.
Supports active bidding and negotiation with counterparties for the most attractive loan opportunities based upon initial credit assessment and risk/return objectives.
Supports and directly participates in the drafting, negotiating and execution of term sheets/LOIs associated with new loans.
Collaborates with the real estate originations team and other internal parties on legal due diligence and documentation for new loan originations and closings, including property inspections, borrower‑sponsor meetings and meetings with local market participants to enhance underwriting of property/market/business plan.
Prepares internal credit memos and presentations to investment committee(s).
Provides on‑going portfolio management support and related asset management requirements through loan repayment.
Applies advanced knowledge and expertise with all CRE asset classes and functional knowledge of US property markets to make credit approval decisions and recommendation.
Reviews and interprets complex business plans and financials to make recommendation for effective risk mitigation approaches.
Provides loan structuring and credit enhancement strategy recommendations to mitigate credit risk for the bank and to ensure alignment with EverBank’s credit risk appetite and policies.
Minimum Qualifications
5 years of experience in commercial underwriting
Previous experience supporting Commercial Real Estate loans (CRE)
Preferred Qualifications
7+ years of CRE originations underwriting experience
Previous experience conducting complete credit analysis including gathering and analyzing all types of credit information on existing and prospective customers for CRE loans
Previous experience with construction loans is a plus
Educational Requirements
University (Degree) Preferred
Physical Requirements
Physical Requirements: Sedentary Work
Career Level
8IC
Position will require frequent business travel.
Posting end date - 4/30/26
Pay Range
$126,225 - $160,000
EverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.
We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.
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The Underwriter Sr - CRE applies advanced knowledge of Commercial Real Estate to underwrite new CRE lending opportunities. This position collaborates closely with the originations team to make credit risk determinations in accordance with EverBank policies and procedures.
Key Responsibilities and Duties
Leads the initial credit evaluation and screening of transactions, focusing on qualitative assessment and quantitative evaluation of the new opportunity, including financial modeling.
Supports active bidding and negotiation with counterparties for the most attractive loan opportunities based upon initial credit assessment and risk/return objectives.
Supports and directly participates in the drafting, negotiating and execution of term sheets/LOIs associated with new loans.
Collaborates with the real estate originations team and other internal parties on legal due diligence and documentation for new loan originations and closings, including property inspections, borrower‑sponsor meetings and meetings with local market participants to enhance underwriting of property/market/business plan.
Prepares internal credit memos and presentations to investment committee(s).
Provides on‑going portfolio management support and related asset management requirements through loan repayment.
Applies advanced knowledge and expertise with all CRE asset classes and functional knowledge of US property markets to make credit approval decisions and recommendation.
Reviews and interprets complex business plans and financials to make recommendation for effective risk mitigation approaches.
Provides loan structuring and credit enhancement strategy recommendations to mitigate credit risk for the bank and to ensure alignment with EverBank’s credit risk appetite and policies.
Minimum Qualifications
5 years of experience in commercial underwriting
Previous experience supporting Commercial Real Estate loans (CRE)
Preferred Qualifications
7+ years of CRE originations underwriting experience
Previous experience conducting complete credit analysis including gathering and analyzing all types of credit information on existing and prospective customers for CRE loans
Previous experience with construction loans is a plus
Educational Requirements
University (Degree) Preferred
Physical Requirements
Physical Requirements: Sedentary Work
Career Level
8IC
Position will require frequent business travel.
Posting end date - 4/30/26
Pay Range
$126,225 - $160,000
EverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.
We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.
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