Credit Underwriter II

Sunflower Bank, N.A.•Dallas, TX

11h•Onsite

About The Position

Sunflower Bank, N.A. is seeking a full-time Credit Underwriter II in Dallas, Texas. The role gathers, analyzes, and interprets financial and credit information to assess the creditworthiness of commercial customers, focusing on moderately complex credit relationships. The position supports Business/Commercial Bankers with new and existing assigned loan relationships, emphasizing credit quality and risk reduction. The Credit Underwriter II prepares financial analyses and written summaries, monitors assigned credit files and compliance requirements, communicates findings to bankers and credit officers, and provides technical assistance to colleagues and customers. The role also assists with training an Underwriter I, participates in projects and process improvements, and stays current on industry conditions, laws, and regulations. The position requires adherence to applicable banking laws, regulations, company policies, Fair and Responsible Banking practices, the Code of Ethics and Conduct, and the Bank’s Community Reinvestment Act program. Travel to branch offices may be required, and flexible hours are necessary. The position is open until filled.

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 results 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 for interacting tactfully and professionally with customers, employees, senior management, auditors, and regulators.
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.

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.

Responsibilities

Review and analyze financial and credit information, including financial statements, tax returns, and credit reports, to assess borrowers’ and guarantors’ creditworthiness.
Identify when additional investigation or information is needed and contact appropriate sources to obtain it.
Prepare detailed financial and analytical reports, including historical 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, including assessment of cash flow, collateral, and other repayment sources.
Assess the strengths and weaknesses of credit relationships.
Communicate 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 financial 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.
Comply with applicable federal and state laws and regulations, including the Bank Secrecy Act, anti-money laundering laws, and Office of Foreign Assets Control requirements.
Follow applicable industry laws and regulations and company policies and procedures.
Uphold Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
Understand and participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.