Credit Underwriter III - Municipal/Public Finance
Sunflower Bank Mortgage Lending, Plano, TX, United States
About Sunflower Bank
At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we’ve been committed to serving our communities and supporting the team members who make it all possible. As a full‑service financial institution, we offer a full range of relationship‑focused services to meet personal, business, and wealth‑management financial objectives. Creating Possibility is not just our mission—it’s what we do every day for clients and associates.
Position Credit Underwriter III - Municipal/Public Finance
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 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 credit files such as periodic financial statements, borrowing base certificates, accounts receivable aging, and other items required by the loan documents; ensure covenant compliance and financial reporting requirements are addressed.
Exercise independent judgment on client‑relationship credit analysis and take appropriate resulting action.
Participate in departmental or company‑wide projects, seek and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Assist as a lead in the review of work, training and development of more junior Credit Underwriters.
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 the Bank Secrecy Act (BSA) and related anti‑money laundering laws and Office of Foreign Asset Controls (OFAC).
Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
Uphold Fair and Responsible Banking practices and the Code of Ethics and Conduct guidelines.
Participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.
Education / Experience
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field. If in lieu of a degree, a high school diploma or equivalent with a minimum of 10+ years in a related discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment.
Proven experience in commercial and industrial lending; Municipal/Public Finance experience preferred.
Strong ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficiency in Microsoft Office Suite.
Strong business mathematics skills.
Excellent critical‑thinking and communication skills, both verbal and written.
Ability to multi‑task, prioritize and meet deadlines.
Collaborative mindset and ability to represent one’s own opinion.
Continual professional development and up‑to‑date industry knowledge.
Bondable.
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.
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
Other associate perks and incentives
Equal Opportunity Employer 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, disability, sexual orientation, gender identity, or any other characteristic protected by law.
Application If you qualify, apply online at https://www.sunflowerbank.com/careers. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.
Additional Notes For California residents, 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
Position Credit Underwriter III - Municipal/Public Finance
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 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 credit files such as periodic financial statements, borrowing base certificates, accounts receivable aging, and other items required by the loan documents; ensure covenant compliance and financial reporting requirements are addressed.
Exercise independent judgment on client‑relationship credit analysis and take appropriate resulting action.
Participate in departmental or company‑wide projects, seek and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Assist as a lead in the review of work, training and development of more junior Credit Underwriters.
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 the Bank Secrecy Act (BSA) and related anti‑money laundering laws and Office of Foreign Asset Controls (OFAC).
Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
Uphold Fair and Responsible Banking practices and the Code of Ethics and Conduct guidelines.
Participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.
Education / Experience
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field. If in lieu of a degree, a high school diploma or equivalent with a minimum of 10+ years in a related discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment.
Proven experience in commercial and industrial lending; Municipal/Public Finance experience preferred.
Strong ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficiency in Microsoft Office Suite.
Strong business mathematics skills.
Excellent critical‑thinking and communication skills, both verbal and written.
Ability to multi‑task, prioritize and meet deadlines.
Collaborative mindset and ability to represent one’s own opinion.
Continual professional development and up‑to‑date industry knowledge.
Bondable.
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.
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
Other associate perks and incentives
Equal Opportunity Employer 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, disability, sexual orientation, gender identity, or any other characteristic protected by law.
Application If you qualify, apply online at https://www.sunflowerbank.com/careers. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.
Additional Notes For California residents, 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