Senior Underwriter

Partner Community Capital is seeking a Senior Underwriter to play a pivotal role in evaluating, structuring, and managing our small business lending portfolio. This is an exciting opportunity to help make a meaningful difference for entrepreneurs in underserved markets. The Senior Underwriter reports to the EVP, Chief Credit Officer.

The Senior Underwriter is a key member of PCAP’s lending team, responsible for evaluating and underwriting loan requests, managing the loan pipeline, and ensuring the delivery of high-quality financial services to small business clients. This role works closely with lenders, analysts, referral partners, and community stakeholders to advance PCAP’s mission while maintaining strong portfolio performance and compliance standards.

You will bring deep credit expertise, sound judgment, and strong relationship management skills to help PCAP scale responsibly and deliver flexible, mission-centered capital to those who need it most.

Education, Experience and Technical Skill Requirements:

• Bachelor’s degree in finance, business, or related field
• 5 to 7 years of experience in commercial lending, underwriting, or a related field
• 2 to 3 years of supervisory or team leadership experience
• Experience with CDFIs, SBA lending, or mission-based finance strongly preferred
• Expertise in commercial credit analysis, financial modeling, and risk assessment
• Proficiency with loan origination and portfolio management systems
• Strong Excel skills and proficiency in Word, Outlook, and analytical tools
• Salesforce experience and data integration knowledge preferred
• Familiarity with CDFI Fund reporting and SBA lending processes a plus

Our ideal candidate is a collaborative, mission-driven professional who demonstrates integrity and a strong commitment to ethical lending. They bring advanced analytical skills and a deep understanding of credit risk and loan structuring, with a proven track record of managing high-quality portfolios and achieving strong performance outcomes. They communicate clearly and build trust with diverse clients, staff, and partners, while leading with high emotional intelligence and a team-oriented mindset. Detail-oriented, strategic, and able to manage multiple priorities, they continuously seek opportunities to improve processes and leverage technology. Above all, they are deeply committed to PCAP’s mission and the values that guide our work as a CDFI.

Key Responsibilities:

• Build and maintain relationships with lenders, borrowers, referral sources, lending partners, and technical assistance providers.
• Review credit memos for financing over $100,000 to ensure compliance with lending policies, grant requirements, and regulations.
• Analyze financial statements, tax returns, and documentation to evaluate creditworthiness and business viability.
• Exercise delegated loan approval authority and provide data-supported recommendations to the Chief Credit Officer and Investment Committee.
• Supervise, coach, and provide technical guidance to Credit Analysts and team members.
• Improve operational efficiency through process innovation, technology adoption, and cross-training.
• Collaborate with lenders to structure loans that meet client needs while managing risk.
• Monitor portfolio performance, analyze trends, and ensure adherence to quality metrics.
• Provide subject-matter expertise, mentoring, and support for staff development.
• Stay current on industry-related trends, market conditions, regulatory updates, and credit risk best practices.
• Engage with clients on credit evaluation, loan structuring, and portfolio management questions.
• Assist with cross-sales opportunities, servicing information, credit documentation, and client calls as needed.
• Represent PCAP with referral partners, technical assistance providers, government agencies, and community stakeholders.
• Contribute to ongoing improvements in underwriting procedures, documentation standards, and risk assessment frameworks.

About PCAP:

Partner Community Capital is a US Treasury-certified Community Development Financial Institution (“CDFI”) established in 2000 to provide financing and advisory services to triple bottom line businesses and communities in the Southeastern US, primarily in West Virginia (WV) and North Carolina (NC). PCAP's business clients are predominantly located in underserved communities and are unable to access adequate capital from traditional sources. We deliver flexible, empowering loans to borrowers, connecting clients to strategic advisory services so they can make the best use of our capital.

As a certified Community Development Financial Institution (CDFI) we focus on locally owned, environmentally responsible small businesses because they employ and build wealth for entrepreneurs, their families, and their communities.

To learn more about PCAP, visit www.partnercapital.org

Partner Community Capital, a Non-Profit Corporation, is an Equal Opportunity Employer who fully and actively supports equal access for all people regardless of Race, Color, Religion, Gender, Age, National Origin, Veteran Status, Disability, Genetic Information or Testing, Family and Medical Leave status, Sexual Orientation and Gender Identity or Expression. Partner Community Capital prohibits retaliation against individuals who bring forth any complaint, orally or in writing, to the employer or the government, or against any individuals who assist or practice in the investigation of any complaint or otherwise oppose discrimination.

Compensation, Benefits, and Location:

This position offers a competitive salary, $83,000 to $110,000 commensurate with experience. This is a full-time, hybrid position; candidates must be within a commutable distance to Winston-Salem, Durham or Asheville, North Carolina.

PCAP offers a generous slate of benefits including medical, dental, vision, life, short-term, and long-term disability insurances, 403(b) retirement plan, Flexible Spending Account (medical and dependent care), paid time-off and holidays, and professional development, as well as other benefits and perks.