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 Here

• Timberland Bank has a solid reputation for conservative, relationship‑based banking within the communities we serve
• Local decision‑making and meaningful community involvement
• A collaborative culture where underwriting expertise is respected and relied upon
• Professional stability with opportunities for long‑term career growth
• Competitive compensation and benefits

Essential Job Functions

• Prepare loan write‑ups, credit analysis, and credit proposals for approval
• Monitor loans regularly to ensure timely documentation and ongoing creditworthiness
• Perform portfolio management functions, including:
  • Annual property inspections
  • Lender evaluations and progress reports
  • Financial analysis reviews and credit comments
  • Credit write‑ups for annual renewals and new loans
• Manage loans on a portfolio basis as assigned
• Present loan packages to loan committee for approval
• Assist with determining loan terms and appropriate borrowing parameters
• Participate in and support community activities
• Maintain working knowledge of various government lending programs

Requirements

• High school diploma or equivalent required
• College‑level coursework in accounting or business preferred
• Two‑ to four‑year degree preferred

Knowledge, Skills & Abilities

• Strong financial and credit analysis skills
• Exceptional organizational skills with the ability to manage multiple deadlines
• Ability to prioritize time‑sensitive tasks with accuracy and attention to detail
• Strong interpersonal skills and a collaborative, team‑oriented mindset
• Working knowledge of state and federal lending regulations
• Proficiency with Microsoft Word, Excel, and loan production software
• Proven commitment to extraordinary customer service
• Thorough 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.