Senior Underwriter

Company: Northpoint Commercial Finance
Location: Alpharetta
Posted on: April 2, 2026

Job Description:

Job Title: Sr. Commercial Credit Underwriter/Analyst Department: Underwriting Reports To: Credit Manager FLSA Status: Exempt · Position Summary: Prepare written credit narratives for large dealer relationships based on information obtained by various parties in the course of a multidisciplinary review. Audiences will include credit committees and individual reviewers. Northpoint has an excellent opportunity for a Sr. Commercial Credit Underwriter/Analyst to join our Underwriting team in Alpharetta, GA . The ideal candidate would be capable of effectively applying our underwriting guidelines to review inventory finance transactions to identify those that comply with our stated risk appetite. These guidelines encompass collateral and credit risk assessment and customary KYC due diligence procedures. The candidate must have effective written and oral communication skills, including having the ability to write concise and impactful reviews centered around the cash cycle of a dealership. Essential Duties and Responsibilities include the following. (This list is not exhaustive.) Perform cash flow analysis for companies with large investments in inventory using Moody’s-produced spreadsheets. Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately. Draw connections between behavioral scores and indicators unique to Northpoint that together gauge a dealer’s financial condition. Effectively manage the flow of credit files by communicating regularly with internal and external clients. Utilize common sense and a sound understanding of accounting principles to lessen the risks of relying on internally-prepared financial statements that lack independent testing. Analysts with ABL backgrounds are well-suited for this type of work. Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring. Prepare and deliver presentations to executives, committees and loan participants. Other projects, assignments, or functions in support of portfolio risk management as needed. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Specifically, tasks expected require: Bachelor’s degree in Accounting/Finance/Business Administration. 5 years of commercial lending or underwriting/financial analysis experience or equivalent experience. Strong analytical skills. Cross-functional team environment skill set and ability to work independently. Excellent verbal, written, and interpersonal skills. Strong communication and presentation skills. Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment. Minimal travel required. Experience working within a regulated lending environment. Experience with internal and/or external auditors. Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines. Education/Experience: Bachelors’ degree from an accredited college or university. Language Ability: Ability to read and interpret documents such as operating instructions and policy and procedure manuals. Ability to draft customer facing emails and correspondence on a regular basis. Ability to communicate effectively via phone with a variety of, sales, underwriter, manufacturer/dealer contacts. Computer Skills: Microsoft Office required, specifically, Salesforce, DocuSign, Outlook, Word, Excel, and Access Certificates and Licenses: N/A Supervisory Responsibilities: N/A Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle or feel and to talk or hear. The employee is occasionally required to stand, walk, reach with hands and arms, stoop kneel, crouch or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. Northpoint collects, uses, and shares personal information of California consumers. For additional information about how we do so, please see our California Privacy Statement at https://northpointcf.com/privacy-policy/personal-information .

Keywords: Northpoint Commercial Finance, Macon , Senior Underwriter, Accounting, Auditing , Alpharetta, Georgia