Business Credit Services Sr Underwriter

Home Bancorp • Pasadena, TX

349d • Hybrid

About The Position

The Business Credit Services Sr Underwriter is responsible for underwriting new and renewal business credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing. Collaborates with Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs. This is a hybrid position that is located in one of OUR MARKETS in Louisiana, Mississippi and Houston, TX.

Requirements

• Bachelor's degree in business, finance, related field or the equivalent job experience preferred.
• Five or more years of work-related experience in banking or financial services field.
• Strong understanding of commercial lending financial analysis and business structures.
• Strong knowledge of financial statements in order to determine creditworthiness and risk.
• Prepare thoughtful, clear and concise written analysis using established bank format for presentation to management or loan committee.
• Demonstrate ability to analyze financial data and account information quickly and thoroughly.
• Self-directed/motivated with the ability to work independently with little to no direct supervision.
• Proficiency in Microsoft Office (Excel and Word) is required.

Responsibilities

• Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request; identifies key business and financial risks that may impact the repayment prospects of the borrower.
• Prepare timely, concise and accurate credit recommendations, including quantitative components within the underwriting narrative documenting the credit analysis.
• Monitor borrower financial performance in line with commercial and/or real estate loan documents; ensures required financial statements are spread in accordance with Bank Guidelines.
• Partner with Relationship Managers to offer insights into customer financial needs and opinions related to loan structure's effectiveness.
• May oversee the work of other BCS underwriters or credit analysts, including the timely review of credit memos prepared by other underwriters.
• Demonstrate compliance with all bank regulations for assigned job function and applies to designated job responsibilities.
• Maintain a working knowledge of Bank's written policies and procedures.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
• May be required to travel to all markets in support of essential job responsibilities.
• Perform other duties as assigned by Manager.

What This Job Offers

• Industry: Management of Companies and Enterprises
• Education Level: Bachelor's degree
• Number of Employees: 251-500 employees