Credit Underwriter III - CRE

Sunflower Bank NA•Scottsdale, AZ

13h

About The Position

Sunflower Bank, N.A. is seeking a full-time Credit Underwriter III focused on commercial real estate (CRE). The role gathers, analyzes, and interprets financial and credit information to assess the creditworthiness of commercial customers, particularly moderately complex credit relationships. It supports Business and Commercial Bankers with new and existing loan relationships, emphasizing strong credit quality and risk reduction. The position reviews borrower, guarantor, property, and market information; prepares credit approval and loan review reports; monitors credit files and loan requirements; and communicates analytical findings to bankers, management, and credit officers. It also reviews and negotiates loan documents, analyzes commercial real estate title, advises bankers and customers, and helps train and develop junior credit staff. The role requires adherence to applicable federal and state laws and regulations, including the Bank Secrecy Act, anti-money-laundering laws, and Office of Foreign Assets Control requirements. The physical demands include extended periods sitting or standing, computer and equipment use, regular walking, occasional bending, stooping, kneeling, or climbing, and lifting or moving items up to 10 pounds. Reasonable accommodation may be available for essential job functions.

Requirements

At least 7 years of experience in credit analysis or credit underwriting in a commercial real estate lending environment.
Sound underwriting knowledge in investor commercial real estate.
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.
Commitment to staying informed about industry trends, market conditions, and regulatory requirements and to professional development.
Bachelor's degree in Accounting, Business, Economics, Finance, or a similar field; alternatively, a high school diploma or equivalent and at least 10 years in this discipline.

Nice To Haves

Experience with construction and bridge lending.

Responsibilities

Review and analyze financial and credit information, including financial statements, tax returns, real estate schedules, and credit reports, to assess property cash flow and borrower and guarantor creditworthiness.
Identify when additional information or investigation is needed and contact appropriate sources to obtain it.
Prepare detailed financial and analytical credit approval and loan review reports using materials such as leases, rent rolls, appraisals, and environmental reports; analyze historical data, trends, cash flow, global cash flow, and simple projections.
Research industry and market information relevant to the MSA and submarkets where collateral is located.
Prepare written analyses of new and existing loan relationships, assess cash flow, collateral and other repayment sources, and identify credit strengths and weaknesses.
Communicate key analytical findings and opinions to bankers, management, and credit officers.
Review and negotiate loan documents on behalf of the bank.
Review and analyze title for commercial real estate properties.
Monitor credit files and required financial reporting, including financial statements, tax returns, rent rolls, leases, personal financial statements, and real estate schedules; address covenant compliance and reporting requirements.
Exercise independent judgment in analyzing client relationship credit and take appropriate action.
Participate in departmental or company-wide projects and identify and propose process improvements.
Provide technical advice and assistance to bankers and customers.
Lead or assist with reviewing work and training and developing credit analysts and junior Credit Underwriters.
Attend joint calls with bankers to gather information about collateral.
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.