Senior Underwriter

Susser Bank•Houston, TX

4d•Onsite

About The Position

Susser Bank, a rapidly growing Texas regional 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 carries an individual deal load while mentoring and developing junior analysts and associate-level team members. The role covers new and existing C&I and CRE transactions, including term loans, revolving lines of credit, owner-occupied and investor real estate, construction, asset-based lending, equipment finance, and syndicated or participated facilities. The underwriter evaluates borrower and guarantor financials, cash flow, collateral, industry and management risk, repayment capacity, and risk ratings; prepares and presents credit approval memoranda; and manages an assigned portfolio segment. The role also contributes to developing credit policy, underwriting standards, concentration monitoring, and portfolio stress testing.

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 properties.
Demonstrated ability to independently underwrite complex C&I and CRE transactions.
Strong Texas market knowledge across multiple industries and property types, including multifamily, retail, office, industrial, medical office, self-storage, and hospitality.
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 bank-equivalent training.
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 ranging from $3 million to $50+ million, across term loans, revolving lines of credit, owner-occupied and investor CRE, construction, ABL, equipment finance, and syndicated or participated facilities.
Perform full financial analysis and global cash-flow analysis for borrowers, sponsors, and guarantors, including spreading historical and projected financials, enterprise value analysis, 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 when applicable.
Assess industry risk, management quality, collateral adequacy, and repayment capacity, and assign accurate dual risk ratings.
Prepare comprehensive credit approval memoranda that identify risks, mitigants, policy exceptions, and recommended structures and covenants.
Present credits to formal credit committees and defend recommendations.
Partner with commercial relationship managers to structure credits that win business while protecting the bank.
Manage an assigned portfolio segment through annual reviews, interim monitoring, borrowing-base oversight, covenant testing, and financial and trending analysis.
Ensure timely and accurate risk-rating assignment and ongoing validation; identify credit migration and recommend rating adjustments as conditions change.
Mentor, train, and develop junior underwriters and credit analysts through deal reviews, shadowing, and formal training sessions.
Contribute to the refinement of credit policy, underwriting standards, concentration monitoring, and portfolio stress testing.