• Underwrite and manage credit risk exposure to commercial customers across the United States. • Evaluate credit applications across various segments and document key risks and mitigants with recommendations. • Decide on limit requests within delegated authority and structure exception cases aligned with risk appetite. • Contribute to design of decision engines incorporating financial ratio scoring and behavioral/transactional signals. • Monitor cohorts, track industry/sector/regional trends to identify early-warning indicators and concentration risks; propose exposure adjustments and implement risk actions. • Support automation of underwriting processes by identifying signals and translating them into rules and decision logic. • Identify and mitigate abuse and fraud by reviewing identity, ownership, operating model and structure using public records and financial information; document findings. • Improve operational workflows, work across IT systems, and optimize data pipelines and decision flows. • Draft and maintain clear documentation on credit decisions and processes to ensure compliance and governance. • Partner with Sales, Account Managers, sponsor banks, lenders and engage with customers to clarify ownership structures, financial reporting, or business operations.