Credit Underwriter III - Municipal/Public Finance
Sunflower Bank, N.A., Plano, TX, United States
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.
Sunflower Bank is looking for an energetic, highly motivated individual to fill the full‑time position of
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 as required by the loan documents. Ensure that 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. 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), anti‑money laundering laws and Office of Foreign Asset Control (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 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, or a high school diploma/equivalent plus 10+ years of experience in this discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment.
Proficient experience in commercial and industrial lending, with Municipal/Public Finance experience preferred.
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.
Excellent critical thinking and concise written and verbal communication skills.
Ability to multi‑task, prioritize and meet deadlines.
Collaborative teamwork skills and ability to represent one’s own opinion.
Commitment to ongoing professional development.
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.
Pay Pay is dependent on knowledge, skills, abilities, experience, and location.
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!
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, disability, sexual orientation, gender identity, or other characteristics 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
Sunflower Bank is looking for an energetic, highly motivated individual to fill the full‑time position of
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 as required by the loan documents. Ensure that 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. 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), anti‑money laundering laws and Office of Foreign Asset Control (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 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, or a high school diploma/equivalent plus 10+ years of experience in this discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment.
Proficient experience in commercial and industrial lending, with Municipal/Public Finance experience preferred.
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.
Excellent critical thinking and concise written and verbal communication skills.
Ability to multi‑task, prioritize and meet deadlines.
Collaborative teamwork skills and ability to represent one’s own opinion.
Commitment to ongoing professional development.
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.
Pay Pay is dependent on knowledge, skills, abilities, experience, and location.
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!
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, disability, sexual orientation, gender identity, or other characteristics 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