Commercial Credit Underwriter II

Sunflower Bank NA•Dallas, TX

5d•Onsite

About The Position

Sunflower Bank, N.A. is hiring a full-time Commercial Credit Underwriter II in Dallas, Texas. The position gathers, analyzes, and interprets financial and credit information to assess the creditworthiness of commercial customers, with a focus on moderately complex credit relationships. The underwriter assists Business/Commercial Bankers in supporting new and existing loan relationships, emphasizing credit quality and risk minimization. The role prepares financial analyses and written summaries, monitors assigned credit files and loan-document requirements, communicates findings to bankers and credit stakeholders, and provides technical guidance to bankers and customers. It also contributes to projects and process improvements, helps train Underwriter I staff, stays informed about relevant industry and regulatory developments, and follows applicable laws, regulations, and bank policies. The role may require travel to branch offices and flexible hours.

Requirements

At least 5 years of experience in credit analysis or portfolio management in a commercial lending environment.
Sound underwriting experience in commercial and industrial lending.
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.
Ability to think critically and communicate findings clearly and concisely, verbally and in writing.
Ability to multitask, prioritize, and meet deadlines.
Ability to collaborate, find common ground to solve problems, and represent one’s own opinion.
Ability to stay informed about industry trends, market conditions, and regulatory requirements and to pursue ongoing professional development.
Excellent verbal, written, interpersonal, and customer service skills, with the ability to assist customers, employees, senior management, auditors, and regulators tactfully and professionally.
Ability to travel to branch offices as needed.
Ability to work flexible hours.
Must be bondable.
Ability to perform essential job functions with or without reasonable accommodation, including extended sitting or standing, computer or equipment use, reaching, regular walking, and occasional bending, stooping, kneeling, or climbing; may lift or move items up to 10 pounds.
Vision abilities include close and distance vision, color and peripheral vision, depth perception, and ability to adjust focus.

Nice To Haves

Bachelor’s degree in Accounting, Business, Economics, Finance, or a similar field. In lieu of a degree, a high school diploma or equivalent and completion of a formal credit training program or certification is accepted.

Responsibilities

Review and analyze financial and credit information, including financial statements, tax returns, and credit reports, to assess borrower and guarantor creditworthiness.
Identify when additional investigation or information is needed and contact appropriate sources.
Prepare detailed financial and analytical reports, including historical financial data and trends, cash flow and global cash flow analyses, and simple projections.
Research industry and market information relevant to customers’ businesses.
Prepare written analyses of new and existing loan relationships, assessing cash flow, collateral, repayment sources, and overall relationship strengths and weaknesses.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management, and credit officers.
Monitor assigned moderately complex credit files for required financial statements, borrowing base certificates, accounts receivable aging, and other loan-document items; address covenant compliance and reporting requirements.
Exercise independent judgment in credit analysis and take appropriate resulting action.
Participate in departmental and company-wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Attend joint calls with Commercial Bankers to gather information about businesses.
Assist with training and developing the Underwriter I.
Stay informed about industry trends, community developments, market conditions, and regulatory requirements and understand their effect on lending criteria.
Adhere to applicable federal and state laws and regulations, including BSA, anti-money laundering laws, and OFAC requirements, as well as company policies and procedures.
Uphold Fair and Responsible Banking practices and the Code of Ethics and Conduct.
Understand and participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.