Senior Specialist - Loan Underwriting

The Underwriting & Appraisals area is responsible for evaluating credit requests and property valuations to ensure accurate risk assessment, sound credit decisions, and compliance with internal policies, investor requirements, and regulatory standards. Activities may include:

• Analyzing borrower financial information, repayment capacity, collateral strength, and overall creditworthiness


• Reviewing and validating appraisal reports for accuracy and adherence to established guidelines


• Determining risk levels and approval recommendations


• Applying underwriting standards consistently, identifying and mitigating potential risks, maintaining strong documentation practices, and partnering with lending, operations, and risk teams to support timely and high-quality credit decisions

Career Specialization Definition

The Loan Underwriting area activities may include:

• Evaluates and approves or denies loan applications according to business unit standards in a timely manner.


• Gathers information as necessary to make sound decisions.


• Responds to internal and external customer inquiries as necessary.


• Performs other duties as necessary to support the goals and objectives of the department and business unit.


• Other duties as assigned.

Career Level Definition

Requires advanced knowledge of operational procedures and tools obtained through extensive work experience and may require vocational or technical education. Responsibilities typically include:

• Working under limited supervision for non-routine situations and may be responsible for leading daily operations.


• Training, delegating and reviewing the work of lower level employees.


• Problems are typically difficult and non-routine but not complex.

Knowledge & Experience

• Typically requires 7+ years relevant experience


• May require vocational or technical training

Required Certifications/Licenses

• May require obtaining and/or maintaining NMLS registration

Compensation offered will be based on a variety of factors, including but not limited to education, work experience, skills, certifications, and geographic location, etc.

Eligible teammates may participate in a comprehensive benefits package that includes medical, dental, vision, life insurance, disability coverage, paid time off, retirement savings through a 401(k) plan, wellness resources, and other programs designed to support teammates' health and financial well-being, subject to plan terms and eligibility requirements. In addition, certain positions may be eligible for incentive compensation, bonuses, or other variable compensation, subject to applicable plans and performance criteria.  General information on our comprehensive benefits package can be found by visiting Employee Benefits | Banking Career Benefits | Atlantic Union Bank

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.