Commercial Credit Underwriter II
Sunflower Bank Mortgage Lending, Denver, Colorado, United States, 80285
Overview
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Commercial Credit Underwriter II. The role involves gathering, analyzing and interpreting financial and credit information to assess the creditworthiness of the company’s commercial customers, focusing on moderately complex credit relationships. The position supports Business/Commercial Bankers in new and existing loan relationships, with an emphasis on maximizing credit quality and minimizing risk.
Responsibilities
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 additional information and contact appropriate sources as needed.
Prepare detailed financial and analytical reports for each entity analyzed, including historical data, trends, cash flow analyses, and simple projections.
Research pertinent industry and market information relevant to customers’ lines of business.
Prepare written summaries of analysis for new and existing loan relationships, assessing cash flow, collateral and other repayment sources; evaluate overall strengths and weaknesses of the credit relationship.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management or credit officers.
Assist in monitoring assigned moderately complex credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by loan documents; ensure covenant compliance and financial reporting requirements are addressed.
Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
Participate in departmental or company-wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Attend joint calls with the Commercial Banker to gather more information about the business.
Assist in the training and development of Underwriter I.
Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria.
Education / Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field; in lieu of a degree, high school diploma or equivalent with formal credit training program or certification.
2+ years of experience in credit analysis/portfolio management in a commercial lending environment.
Must possess underwriting expertise in at least one area of lending (e.g., 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, critical thinking, and concise communication skills (verbal and written).
Ability to multi-task, prioritize and meet deadlines; ability to work collaboratively and respectfully express opinions.
Commitment to ongoing professional development and awareness of industry trends, market conditions and regulatory requirements.
Excellent verbal, written, interpersonal and customer service skills; ability to interact with customers, employees, senior management, auditors and regulators.
Ability to travel to branch offices as needed and to work flexible hours.
Pay Pay is dependent on knowledge, skills, abilities, experience, and location.
Working Conditions The position requires 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 tasks. Regular walking may be required, with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving 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
Plus many more associate perks & incentives
You qualify? Apply online at sunflowerbank.com/careers.
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.
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Responsibilities
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 additional information and contact appropriate sources as needed.
Prepare detailed financial and analytical reports for each entity analyzed, including historical data, trends, cash flow analyses, and simple projections.
Research pertinent industry and market information relevant to customers’ lines of business.
Prepare written summaries of analysis for new and existing loan relationships, assessing cash flow, collateral and other repayment sources; evaluate overall strengths and weaknesses of the credit relationship.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management or credit officers.
Assist in monitoring assigned moderately complex credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by loan documents; ensure covenant compliance and financial reporting requirements are addressed.
Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
Participate in departmental or company-wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Attend joint calls with the Commercial Banker to gather more information about the business.
Assist in the training and development of Underwriter I.
Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria.
Education / Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field; in lieu of a degree, high school diploma or equivalent with formal credit training program or certification.
2+ years of experience in credit analysis/portfolio management in a commercial lending environment.
Must possess underwriting expertise in at least one area of lending (e.g., 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, critical thinking, and concise communication skills (verbal and written).
Ability to multi-task, prioritize and meet deadlines; ability to work collaboratively and respectfully express opinions.
Commitment to ongoing professional development and awareness of industry trends, market conditions and regulatory requirements.
Excellent verbal, written, interpersonal and customer service skills; ability to interact with customers, employees, senior management, auditors and regulators.
Ability to travel to branch offices as needed and to work flexible hours.
Pay Pay is dependent on knowledge, skills, abilities, experience, and location.
Working Conditions The position requires 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 tasks. Regular walking may be required, with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving 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
Plus many more associate perks & incentives
You qualify? Apply online at sunflowerbank.com/careers.
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.
#J-18808-Ljbffr