Commercial Credit Underwriter

Cornerstone Home Lending•Houston, TX

4d•$120,000 - $138,000•Hybrid

About The Position

Cornerstone Capital Bank provides middle-market and community bank commercial lending in the major urban markets of Texas and in the areas around Bastrop, Sweetwater, Roscoe, and Lubbock Texas. The ideal credit professional will have completed a credit training program and have experience in underwriting complex commercial credit relationships and providing advanced financial and risk analysis to support sound lending decisions. The Credit Underwriter role works closely with relationship managers and credit officers to evaluate borrowing opportunities, analyze financial statements, identify and mitigate credit risks, and structure appropriate loan terms.

Requirements

Three or more years of experience in commercial credit underwriting, financial analysis, and loan structuring within a banking or financial services environment.
Experience underwriting Commercial Real Estate (CRE), Commercial & Industrial (C&I), and other commercial borrower relationships across a variety of industries and transaction types.
Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and deadlines in a fast-paced environment.
Excellent interpersonal, verbal, and written communication skills with the ability to effectively interact with team members, management, internal committees, and clients.
Ability to independently identify issues, assess risk, and develop practical solutions and recommendations.
Proficiency in Microsoft Office products, including Teams, Word, Excel, and PowerPoint.

Nice To Haves

Completion of a formal commercial credit training program preferred.
Bachelor’s degree in Finance, Accounting, Business Administration, or a related field generally required; relevant graduate coursework, certifications, or advanced degrees are considered a plus.
experience with Salesforce, nCino, or similar banking platforms preferred.
Ability to work effectively in either a remote or office environment, with occasional travel required based on business needs.

Responsibilities

Underwrite community, middle market, and corporate C&I and CRE credit opportunities. Underwriting responsibilities may also include agriculture, private banking, lender finance, and syndicated credit opportunities. Credits will typically range from moderate to highly complex borrower relationships.
Analyze and assess all available credit and financial information, including financial statements, tax returns, cash flow, collateral, guarantor support, and industry trends.
Prepare detailed underwriting summaries, conduct industry research, identify key risks and mitigating factors, and routinely develop credit presentations to support lending recommendations.
Collaborate with Relationship Managers and other internal partners to assess client needs, evaluate banking products and structures, design effective credit solutions, and deliver quality outcomes that support both client relationships and the Bank’s strategic objectives.
Complete annual credit reviews for assigned commercial relationships, including comprehensive financial analysis, covenant compliance evaluation, risk rating recommendations, and timely completion within established service expectations.
Perform ongoing covenant compliance monitoring and testing for commercial loan relationships, including annual and quarterly financial covenant calculations, borrower reporting tracking, compliance documentation, and escalation of exceptions or emerging credit concerns to management.
Participate in customer and prospect discussions as needed to support transaction structuring and relationship management.
Ensure underwriting and portfolio management activities comply with internal credit policy, regulatory guidance, and lending authority standards.
Stay abreast of the latest financial and banking product knowledge, financial markets, and relevant regulations and business trends.
Support loan committee presentations and assist senior leadership with portfolio reporting, risk management initiatives, and credit projects.
Mentor junior underwriters while contributing to departmental process improvements, operational efficiency initiatives, and overall credit quality standards.