Credit Underwriter II - Commercial

THIRD COAST BANK•University Park, TX

9h•Onsite

About The Position

The Underwriter I is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations with existing and potential borrowers.

Requirements

Bachelor’s degree from an accredited 4 year college or university.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related, with emphasis on finance, economics, or accounting.
3.0 or higher GPA with minimum of 9 hours of accounting
Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
Intermediate skills in computer terminal and personal computer operation, with advanced use of Excel.
Advanced math skills, including time value of money calculations.
Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Effective organizational and time management skills.
Ability to work independently.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Responsibilities

Insure loan packages are complete according to bank policy.
Input and analyze financial statements, tax returns, and credit bureaus.
Determine business and global cash flow of commercial borrowers, and individual cash flow of consumer borrowers.
Perform analysis on diverse types of collateral.
Partner with lenders in completing credit memorandums for various requests.
Collaborate with lenders and senior credit officers to complete annual reviews on large borrowers.
Assist Chief Credit Officer with regulatory compliance.
Various other duties and projects as assigned.
Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.
Performs all other duties as assigned.