Commercial Credit Underwriter (Full Time) - SB Greenway

PROSPERITY BANK • Houston, TX

33d

About The Position

Performs quantitative and qualitative credit analysis and underwriting for commercial loan requests. Works with commercial lending officers to understand and measure risks associated with new and existing client relationships and develop loan structures to mitigate those risks. Prepares written presentations summarizing loan opportunities with minimal turnaround times. This position has no supervisory responsibilities.

Requirements

• A college degree in business or equivalent, or an equivalent combination of education and experience.
• College coursework should include accounting, finance, and financial statement analysis.
• Proficiency in Microsoft Word, Excel, and PowerPoint.
• Ability to read, analyze, and interpret financial statements, industry data, and customer profiles.
• Ability to produce oral and written presentations.
• Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations and create and interpret projections based on extrapolated financial data.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret technical information in mathematical or diagram form and work with abstract and concrete variables.
• Ability to make appropriate judgments and decisions with limited guidance.
• Ability to handle complex problems involving multiple facets and variables in non-standardized situations.
• Excellent planning and organizational skills, including the ability to work independently.
• Strong written and verbal communication skills.
• Ability to maintain confidentiality and instill trust within the organization.
• Ability to multitask.

Nice To Haves

• Completion of a banking internship.

Responsibilities

• Analyze client-specific financial statements, spreads, and ratios, along with broader industry and economic risks that could jeopardize loan repayment.
• Review credit issues at the direction of loan officers and obtain additional information, including through outside calls when required.
• Prepare credit memorandums summarizing lending opportunities, associated risks, and proposed loan structures.
• Explain how loan structures mitigate identified risks.
• Identify high-risk credit situations and take appropriate action to ensure the Bank is well protected.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time