How to hire a commercial credit reviewer

How to hire a commercial credit reviewer, step by step

Here's a step-by-step commercial credit reviewer hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a commercial credit reviewer job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new commercial credit reviewer
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   The commercial credit reviewer hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   You should also consider the ideal background you'd like them a commercial credit reviewer to have before you start to hire. For example, what industry or field would you like them to have experience in, what level of seniority or education does the job require, and how much it'll cost to hire a commercial credit reviewer that fits the bill.

   This list shows salaries for various types of commercial credit reviewers.

   Type of Commercial Credit Reviewer	Description	Hourly rate
   Commercial Credit Reviewer	Financial clerks do administrative work for many types of organizations. They keep records, help customers, and carry out financial transactions.	$18-52
   Credit Investigator	A credit investigator investigates credit or loan applications to determine if applicants can uphold financial obligations, thus helping companies decide which applications to approve. They gather and evaluate documents, conduct research and analyses, study financial histories and credit reports, and calculate loan-to-income ratios... Show more	$12-20
   Credit Manager	A credit manager is a professional who supervises the credit granting process for a company by evaluating the creditworthiness of potential customers. Credit managers must maintain corporate credit policy to optimize company sales and reduce bad debt losses... Show more	$18-57

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Capital Markets
   • Financial Statements
   • Credit Policy
   • Financial Data
   • Financial Performance
   • Credit Approval
   • Asset Quality

   Responsibilities:

   • Manage a team to help facilitate efficient loan origination, underwriting and closing.
   • Participate in meetings with inter agencies and other entities as appropriate to facilitate and enhance the Medicaid eligibility determination process.
   • Participate in structuring terms and reviewing legal documents for derivative transactions, letters of credit, and liquidity facilities.

3. Make a budget

   Including a salary range in your commercial credit reviewer job description is one of the best ways to attract top talent. A commercial credit reviewer can vary based on:

   • Location. For example, commercial credit reviewers' average salary in montana is 44% less than in california.
   • Seniority. Entry-level commercial credit reviewers 64% less than senior-level commercial credit reviewers.
   • Certifications. A commercial credit reviewer with certifications usually earns a higher salary.
   • Company. Working for an established firm or a new start-up company can make a big difference in a commercial credit reviewer's salary.

   Average commercial credit reviewer salary

   $66,126yearly

   $31.79 hourly rate

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   Entry-level commercial credit reviewer salary

   $39,000 yearly salary

   Updated December 19, 2025

4. Writing a commercial credit reviewer job description

   A job description for a commercial credit reviewer role includes a summary of the job's main responsibilities, required skills, and preferred background experience. Including a salary range can also go a long way in attracting more candidates to apply, and showing the first name of the hiring manager can also make applicants more comfortable. As an example, here's a commercial credit reviewer job description:

   Commercial credit reviewer job description example

   Responsibilities

   • Review CRE appraisals to ensure accuracy, compliance, and collateral risk mitigation
   • Document work by providing review documents that describe and support conclusions.
   • Perform corrective reviews when necessary
   • Mitigate collateral risk by advising lending personnel on appraisal valuation issues
   • Provide feedback, technical coaching and counseling to fee appraisers and review appraisers with respect to service level expectations in valuation assignments in terms of product quality, efficiency, and customer service
   • Provide assistance to appraisal managers as necessary, including the preparation of evaluations, market analysis, sale/rent comp surveys, etc.
   • Participate in the training and development of junior staff and support staff orientations
   • Perform backup duties for other positions in the group as necessary
   • Other duties and special projects may be assigned by senior management

   Requirements

   • Bachelor's degree
   • 4+ years' of commercial appraisal experience
   • Candidate must have current certified general California state appraisal license. Appraisal experience with different types of commercial real estate (multifamily, retail, office, industrial, hospitality, subdivisions, etc.) is desired
   • This position requires excellent verbal/written communication skills with the ability to effectively communicate with all levels of personnel
   • Oral/written communication- speaks clearly, professional in positive or negative situation, and writes clearly and informatively
   • This position requires the ability to type 50wpm
   • Applicant must be proficient with appropriate software, including Microsoft Excel, Microsoft Word, Adobe Acrobat, and Microsoft Outlook
   • Ability to create and maintain advanced Microsoft Excel spreadsheets that contain various formulas
   • Skilled with financial mathematics, including the ability to perform statistical analysis and discounted cash flow analysis with financial calculator and Microsoft Excel
   • Additionally, the individual in this position must be highly flexible, proficient at multitasking, organized, and a self -motivated teamplayer

   APPLY DIRECTLY FOR CONSIDERATION

   Born digital, Axos Bank has reinvented the banking model and grown to over $15 billion in assets since our founding in 2000. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 digital banks in the country! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

   We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.

   Learn more about working here!

   Pre-Employment Drug Test:

   All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

   Equal Employment Opportunity:

   Axos Bank is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state and local laws.

   Job Functions and Work Environment:

   While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

   The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

   Copy this example

   

5. Post your job

   There are various strategies that you can use to find the right commercial credit reviewer for your business:

   • Consider promoting from within or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to find candidates who meet your education requirements.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to reach potential job candidates.

   Post your job online:

   • Post your commercial credit reviewer job on Zippia to find and recruit commercial credit reviewer candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with commercial credit reviewer candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   It's also good to ask about candidates' unique skills and talents to see if they match your ideal candidate profile. If you think a candidate is good enough for the next step, you can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new commercial credit reviewer

   Once you've found the commercial credit reviewer candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.

   It's also important to follow up with applicants who do not get the job with an email letting them know that the position is filled.

   To prepare for the new commercial credit reviewer first day, you should share an onboarding schedule with them that covers their first period on the job. You should also quickly complete any necessary paperwork, such as employee action forms and onboarding documents like I-9, benefits enrollment, and federal and state tax forms. Finally, Human Resources must ensure a new employee file is created for internal record keeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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