Credit Underwriter II (Full Time) - Remote

PROSPERITY BANK•Austin, TX

1d•Remote

About The Position

The Credit Underwriter is responsible for providing critical support in our Credit and Underwriting department by processing credit applications, pulling and reviewing credit reports, creating detailed credit packages for syndication to our 3rd party partners, and providing internal support and strong communication to all departments. This person needs to be able to identify which funding partner best matches the transaction and will manage the presentation of the funding packet to the appropriate funding source. The position requires high-level administrative, communication, and analytical abilities and requires proven customer service in a busy office setting.

Requirements

Minimum of 2 years of experience in the finance industry
Self-starter with ability to proactively manage daily responsibilities for assigned tasks.
Strong verbal and written skills required.
Ability to interact with customers, vendors, lenders, and management in a professional manner.
Positive attitude, ability to work well under pressure, and a high degree of professionalism.
Must be able to multi-task responsibilities with high attention to detail.
Microsoft Office (Word, Excel, and Outlook).
Familiar with CRM systems and practices, Salesforce CRM preferred.

Nice To Haves

Bachelor’s degree in finance, accounting, or a related field preferred.
Experience with Syndication Partnerships, a plus.
Experience working as a loan processor, credit analyst or working in the finance industry to process loan packets is highly desirable.
Experience in Credit or commercial underwriting a plus.

Responsibilities

Review credit reports and prepare credit submission packets which have been thoroughly vetted and analyzed to meet the approval requirements of our funding partners.
High level analyzing of Credit Reports to determine credit factors which could lead to an approval or denial by our funding sources.
Work to eliminate denial factors on credit reports and identify documentation needed from our clients which could clear credit stipulations / prefunding conditions, before presenting a transaction to our funding sources.
Respond to inquiries regarding the status of a credit application or transaction and deliver clear and positive communication to internal departments (sales and funding).
Make decisions on applications submitted through internal and dealer relationships while placing a strong emphasis on response time, attention to details and the quantity of applications processed
Exercise sound judgment when reviewing details and potential alerts and/or risks associated with credit reports that may lead to a credit denial.
Adhere to company policies and procedures and escalate any matters non-compliant to Credit Management.
Logically document all credit decisions in the Salesforce.com database.
Follow up with Funding Sources or Account Managers to ensure items needed are received prior to funding.
Assist with other administrative duties, including data entry and CRM database management as assigned by the Credit team.