Senior Underwriter
About The Position
Susser Bank is seeking a seasoned Senior Underwriter with expertise in Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending. This is a 100% in-office role on a collaborative credit team, independently underwriting complex middle-market credits across Texas. The Senior Underwriter manages an individual deal load while mentoring and developing junior analysts and associate-level team members. The position covers new and existing C&I and CRE credits and relationships ranging from $3 million to $50+ million, including term loans, revolving lines of credit, owner-occupied and investor CRE, construction, asset-based lending, equipment finance, and syndicated or participated facilities. The role also involves ongoing portfolio management, formal credit committee presentations, and contributions to credit policy and portfolio oversight.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 7–10+ years of progressive commercial banking underwriting experience, with significant exposure to both C&I and CRE credits, including owner-occupied and investor CRE.
- Proven ability to independently underwrite complex C&I and CRE transactions.
- Strong knowledge of the Texas market across multiple industries and property types.
- Advanced financial spreading and cash-flow modeling skills.
- Excellent written and presentation skills, with a track record of writing concise, persuasive credit narratives.
Nice To Haves
- Formal credit training, such as RMA Commercial Lending School, Omega, Stonier, or a bank equivalent.
- Prior formal mentoring or team-lead experience.
- Experience with participated or syndicated credits and agent bank relationships.
- Familiarity with the Texas regulatory environment and community bank lending practices.
- High energy, intellectual curiosity, and a passion for credit risk management.
Responsibilities
- Independently underwrite new and existing C&I and CRE credits and relationships, including transactions ranging from $3 million to $50+ million.
- Analyze borrower, sponsor, and guarantor financials, including historical and projected statements, global cash flow, enterprise value, tax returns, personal financial statements, rent rolls, and operating statements.
- Conduct CRE analysis, including property cash flow, NOI/DSCR, valuation reviews, lease reviews, environmental reports, market studies, and construction budgets and draw schedules as applicable.
- Assess industry risk, management quality, collateral adequacy, and repayment capacity, and assign dual risk ratings.
- Prepare comprehensive credit approval memoranda identifying risks, mitigants, policy exceptions, recommended structures, and covenants.
- Present credits to formal credit committees and defend recommendations.
- Partner with commercial relationship managers to structure credits that support business development while protecting the bank.
- Manage an assigned portfolio segment through annual reviews, interim monitoring, borrowing-base oversight, covenant testing, and financial and trend analysis.
- Ensure timely assignment and ongoing validation of risk ratings; identify potential rating migration and recommend adjustments as conditions change.
- Mentor, train, and develop junior underwriters and credit analysts through deal reviews, shadowing, and formal training sessions.
- Contribute to refining credit policy, underwriting standards, concentration monitoring, and portfolio stress testing.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
