Small Business Credit Underwriter

At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you.

Associated Bank requires you to directly represent yourself and your own experiences during the recruiting and hiring process. Associated Bank conducts a thorough background check on all new hires.

Role Summary

Support the growth of small businesses by making sound credit decisions that balance client needs with responsible risk management. In this role, you'll evaluate small business loan requests, partner with lending teams, and help deliver timely financing solutions. This is an excellent opportunity to build your small business credit expertise while collaborating with experienced banking professionals.

Key Accountabilities

• Analyze new and renewal small business loan requests to determine creditworthiness and appropriate loan structure.

• Approve credit decisions within assigned lending authority while ensuring compliance with lending policies and regulatory requirements.

• Partner with Small Business Banking, Retail, Community Markets, and Private Banking teams to deliver timely credit decisions that support business growth.

• Review financial statements, cash flow, collateral, and risk ratings to ensure accurate underwriting and portfolio quality.

• Identify policy exceptions and recommend appropriate risk mitigation strategies to support sound lending decisions.

• Coach lending partners by providing guidance on credit policy, loan structuring, and underwriting best practices.

• Monitor portfolio quality by maintaining accurate risk ratings and supporting ongoing credit administration.

• Contribute to process improvements and special projects that enhance the underwriting experience for clients and colleagues.

Education & Experience

Required

• Associate's degree in Finance, Business, or an equivalent combination of education and experience.

• Less than 2 years of experience in small business underwriting/credit analysis.

Preferred

• 2+ years of experience in small business underwriting/credit analysis working within a centralized underwriting environment.

• Knowledge of small business lending products, loan structuring, and credit policy.

• Experience evaluating financial statements, cash flow, collateral, and credit risk.

• Familiarity with federal and state lending regulations.

Why You'll Love Working Here

At Associated Bank, you'll join a collaborative team that values professional growth, continuous learning, and making a meaningful impact for our clients and communities. You'll gain valuable commercial banking experience while working alongside knowledgeable leaders who are invested in your success. Apply today to make an impact.

We welcome and encourage applications from all qualified parties, including but not limited to people returning to the workforce, people with disabilities, those without a college degree, and veterans or those with military experience.

In addition to core traditional benefits, we take pride in offering benefits for every stage of life. 

• Retirement savings including both 401(k) and Pension plans. 

• Paid time off to volunteer in your community. 

• Opportunities to connect with others through our diversity-focused Colleague Resource Groups. 

• Competitive salaries with professional development and advancement opportunities. 

• Bonus benefits including well-being programs and incentives, parental leave, an employee stock purchase plan, military benefits and much more.  

• Personal banking, loan, investment and insurance benefits. 

Associated Bank serves more than 120 communities throughout Wisconsin, Illinois, Minnesota, and Missouri and we consider our colleagues critical to our continued success. See why our colleagues continually vote us a best place to work in the Midwest. Join our community on Facebook, LinkedIn and X. 

Compliance Statement

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR.

Responsible to report ethical concerns as needed to Associated Bank’s anonymous Ethics Hotline.

Associated Bank provides additional assistance throughout the application, interview and hiring process. Please contact leavesandaccommodations@associatedbank.com if you need an accommodation at any time during the process.

Associated Banc-Corp participates in the E-Verify Program. E-Verify Notice English or Spanish. Know Your Right to Work English or Spanish.

Associated Bank is Pay Transparency compliant.

The pay range represents anticipated base pay for this role. Actual pay may vary based on factors including, but not limited to, work location, skills, experience, education, and qualifications for the role.

For certain positions, total compensation may also include incentive, commission, or bonus opportunities not reflected in the posted base pay range.

$23.53 - $40.33 per hour