Commercial Credit Underwriter I
Sunflower Bank Mortgage Lending, Dallas, Texas, United States, 75215
Overview
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of
Commercial Credit Underwriter I
at our
Dallas, TX
location. The Credit Underwriter I position is responsible for gathering, analyzing and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s credit relationships. The position assists Commercial Bankers in supporting new and existing assigned loan relationships with an emphasis on maximizing credit quality and minimizing risk. Responsibilities
Spread, review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections. Research pertinent industry and market information relevant to customers’ lines of business. Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship. Communicate key analytical findings and opinions to Business/Commercial Bankers, management or credit officers. Assist in monitoring assigned credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Participate in departmental or company-wide projects. Attend joint calls with the Commercial Banker to gather more information about the business. Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria. Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Education / Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field, or in lieu of a degree, a high school diploma or equivalent with a formal credit training program or certification. 2+ years of experience in credit analysis/portfolio management in a commercial lending environment. Must possess specific area of underwriting expertise in at least one area of lending, such as commercial real estate, commercial and industrial lending or SBA lending. Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns. Proficient in Microsoft Office Suite. Strong business math skills. Ability to think critically and communicate results concisely and clearly, both verbally and in writing. Ability to multi-task, prioritize and meet deadlines. Ability to work collaboratively by finding common ground to solve problems with the ability to represent one’s own opinion. Continual education on industry trends, market conditions and regulatory requirements and ongoing professional development. Excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators. Ability to travel to branch offices as needed. Ability to work flexible hours. Pay
Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions
The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits
People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates Enjoy Outstanding Benefits, Including: 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 Plus many more associate perks & incentives If you qualify, apply online at sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA:
Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location-specific notices is available on our privacy policy.
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Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of
Commercial Credit Underwriter I
at our
Dallas, TX
location. The Credit Underwriter I position is responsible for gathering, analyzing and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s credit relationships. The position assists Commercial Bankers in supporting new and existing assigned loan relationships with an emphasis on maximizing credit quality and minimizing risk. Responsibilities
Spread, review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections. Research pertinent industry and market information relevant to customers’ lines of business. Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship. Communicate key analytical findings and opinions to Business/Commercial Bankers, management or credit officers. Assist in monitoring assigned credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Participate in departmental or company-wide projects. Attend joint calls with the Commercial Banker to gather more information about the business. Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria. Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Education / Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field, or in lieu of a degree, a high school diploma or equivalent with a formal credit training program or certification. 2+ years of experience in credit analysis/portfolio management in a commercial lending environment. Must possess specific area of underwriting expertise in at least one area of lending, such as commercial real estate, commercial and industrial lending or SBA lending. Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns. Proficient in Microsoft Office Suite. Strong business math skills. Ability to think critically and communicate results concisely and clearly, both verbally and in writing. Ability to multi-task, prioritize and meet deadlines. Ability to work collaboratively by finding common ground to solve problems with the ability to represent one’s own opinion. Continual education on industry trends, market conditions and regulatory requirements and ongoing professional development. Excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators. Ability to travel to branch offices as needed. Ability to work flexible hours. Pay
Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions
The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits
People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates Enjoy Outstanding Benefits, Including: 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 Plus many more associate perks & incentives If you qualify, apply online at sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA:
Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location-specific notices is available on our privacy policy.
#J-18808-Ljbffr