Credit Underwriter II

Sunflower Bank NA•Dallas, TX

1d•Onsite

About The Position

Sunflower Bank, N.A. is hiring a full-time Credit Underwriter II in Dallas, Texas. The position gathers, analyzes, and interprets financial and credit information to assess the creditworthiness of commercial customers, with a focus on moderately complex credit relationships. The underwriter supports Business/Commercial Bankers with new and existing assigned loan relationships, emphasizing credit quality and risk reduction. The role includes preparing financial analyses and written credit summaries, researching industry and market conditions, monitoring credit files and loan covenants, and communicating findings to bankers, management, and credit officers. The underwriter also provides technical assistance to bankers and customers, participates in joint customer calls, helps train an Underwriter I, and contributes to departmental or company-wide projects and process improvements. The position requires compliance with applicable laws, regulations, bank policies, and responsible banking and ethics guidelines, as well as participation in the Bank’s Community Reinvestment Act program.

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, with the ability to assist customers, employees, senior management, auditors, and regulators tactfully and professionally.
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. Physical tasks may include extended sitting or standing, operating computers or other equipment, reaching, regular walking, occasional bending, stooping, kneeling, or climbing, and lifting or moving items up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and focus adjustment.

Nice To Haves

Bachelor’s degree in Accounting, Business, Economics, Finance, or a similar field; alternatively, a high school diploma or equivalent plus completion of a formal credit training program or certification.

Responsibilities

Review and analyze financial statements, tax returns, credit reports, and other financial and credit information to assess borrowers’ and guarantors’ creditworthiness; identify the need for further investigation or information and contact appropriate sources.
Prepare detailed financial and analytical reports, including historical financial data and trends, detailed 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, assessing cash flow, collateral, repayment sources, and the overall strengths and weaknesses of the credit relationship.
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 requirements; address covenant compliance and financial reporting requirements.
Exercise independent judgment in client relationship credit analysis and take appropriate action.
Participate in departmental or 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 in 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.
Understand and comply with applicable federal and state laws and regulations, including BSA, anti-money laundering laws, and OFAC requirements.
Perform work in accordance with applicable laws, regulations, and company policies and procedures.
Uphold Fair and Responsible Banking practices and the Code of Ethics and Conduct guidelines.
Understand and participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.