Sunflower Bank, N.A.
Join to apply for the
Commercial Credit Underwriter III
role at
Sunflower Bank, N.A.
Position located in
Arizona
(Scottsdale, AZ). Salary: $80,000 – $130,000. Full‑time.
Overview Sunflower Bank, N.A. is a full‑service financial institution evaluating commercial credit relationships. The Commercial Credit Underwriter III works with Business/Commercial Bankers to assess the creditworthiness of customers, focusing on moderately complex credit relationships.
Responsibilities
Review and analyze financial statements, tax returns, and credit reports to determine creditworthiness for borrowers and guarantors.
Determine the need for further investigation or additional information, and obtain appropriate sources.
Prepare detailed financial and analytical reports for each entity, including historical financial data, trends, cash‑flow analysis, and simple projections.
Research industry and market information relevant to customers’ lines of business.
Prepare a written summary of analysis for new and existing loans, assessing sufficiency of cash flow, collateral, and other repayment sources.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management, or credit officers.
Assist in monitoring credit files—periodic statements, borrowing base certificates, accounts receivable aging, and other loan‑document items—ensuring covenant compliance and reporting requirements are met.
Exercise independent judgment on client‑relationship credit analysis and take appropriate actions.
Participate in departmental or company‑wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Assist as a lead in review, training, and development of junior Credit Underwriters.
Attend joint calls with the Commercial Banker to gather additional business information.
Remain educated on industry trends, community developments, market conditions, and regulatory requirements; understand their effect on lending criteria.
Understand and adhere to all applicable federal and state laws and regulations, including the Bank Secrecy Act (BSA), anti‑money laundering laws, and Office of Foreign Assets Control (OFAC).
Education / Experience
Bachelor’s Degree in Accounting, Business, Economics, Finance, or a related field; or high‑school diploma with at least 10 years of experience in the discipline.
7+ years of experience in credit analysis/underwriting in a commercial lending environment.
Proficiency in commercial lending areas such as commercial real estate, commercial & industrial lending, and SBA lending.
Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficiency in Microsoft Office Suite.
Strong business‑math skills.
Ability to think critically and communicate results concisely, verbally and in writing.
Strong multi‑tasking, prioritization, and deadline‑management skills.
Collaborative mindset with the ability to represent one’s own opinion while finding common ground.
Ongoing education on industry trends, market conditions, and regulatory requirements, with active professional development.
Working Conditions The position requires extended periods of sitting or standing, operating computers or other equipment, and occasional lifting of items up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Benefits
401(k) Plan with 6% match
Health/Dental/Vision insurance
Company‑paid life insurance
Tuition reimbursement
Fitness reimbursement
Paid time off
Volunteer leave
Paid holidays
Multiple additional associate perks and incentives
Job Details
Seniority Level: Mid‑Senior Level
Employment Type: Full‑time
Job Function: Finance and Sales
Industry: Banking
Equal Opportunity Employment EOE/AA: Minorities/Females/Disabled/Vets. Sunflower Bank, N.A. is an equal‑opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged.
If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location‑specific notices is available on our privacy policy.
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Commercial Credit Underwriter III
role at
Sunflower Bank, N.A.
Position located in
Arizona
(Scottsdale, AZ). Salary: $80,000 – $130,000. Full‑time.
Overview Sunflower Bank, N.A. is a full‑service financial institution evaluating commercial credit relationships. The Commercial Credit Underwriter III works with Business/Commercial Bankers to assess the creditworthiness of customers, focusing on moderately complex credit relationships.
Responsibilities
Review and analyze financial statements, tax returns, and credit reports to determine creditworthiness for borrowers and guarantors.
Determine the need for further investigation or additional information, and obtain appropriate sources.
Prepare detailed financial and analytical reports for each entity, including historical financial data, trends, cash‑flow analysis, and simple projections.
Research industry and market information relevant to customers’ lines of business.
Prepare a written summary of analysis for new and existing loans, assessing sufficiency of cash flow, collateral, and other repayment sources.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management, or credit officers.
Assist in monitoring credit files—periodic statements, borrowing base certificates, accounts receivable aging, and other loan‑document items—ensuring covenant compliance and reporting requirements are met.
Exercise independent judgment on client‑relationship credit analysis and take appropriate actions.
Participate in departmental or company‑wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Assist as a lead in review, training, and development of junior Credit Underwriters.
Attend joint calls with the Commercial Banker to gather additional business information.
Remain educated on industry trends, community developments, market conditions, and regulatory requirements; understand their effect on lending criteria.
Understand and adhere to all applicable federal and state laws and regulations, including the Bank Secrecy Act (BSA), anti‑money laundering laws, and Office of Foreign Assets Control (OFAC).
Education / Experience
Bachelor’s Degree in Accounting, Business, Economics, Finance, or a related field; or high‑school diploma with at least 10 years of experience in the discipline.
7+ years of experience in credit analysis/underwriting in a commercial lending environment.
Proficiency in commercial lending areas such as commercial real estate, commercial & industrial lending, and SBA lending.
Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficiency in Microsoft Office Suite.
Strong business‑math skills.
Ability to think critically and communicate results concisely, verbally and in writing.
Strong multi‑tasking, prioritization, and deadline‑management skills.
Collaborative mindset with the ability to represent one’s own opinion while finding common ground.
Ongoing education on industry trends, market conditions, and regulatory requirements, with active professional development.
Working Conditions The position requires extended periods of sitting or standing, operating computers or other equipment, and occasional lifting of items up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Benefits
401(k) Plan with 6% match
Health/Dental/Vision insurance
Company‑paid life insurance
Tuition reimbursement
Fitness reimbursement
Paid time off
Volunteer leave
Paid holidays
Multiple additional associate perks and incentives
Job Details
Seniority Level: Mid‑Senior Level
Employment Type: Full‑time
Job Function: Finance and Sales
Industry: Banking
Equal Opportunity Employment EOE/AA: Minorities/Females/Disabled/Vets. Sunflower Bank, N.A. is an equal‑opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged.
If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location‑specific notices is available on our privacy policy.
#J-18808-Ljbffr