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 100% in-office role is part of a collaborative credit team that independently underwrites 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 role covers underwriting new and existing C&I and CRE credits and relationships, comprehensive borrower and property financial analysis, credit approval memoranda and committee presentations, portfolio monitoring, risk-rating validation, and contributions to credit policy and portfolio risk processes.
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 Texas market knowledge 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 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 ranging from $3 million to $50+ million, including 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 on borrowers, sponsors, and guarantors, including spreading historical and projected financials, enterprise value analysis, tax returns, personal financial statements, rent rolls, and operating statements.
- Conduct in-depth CRE analysis, including property cash flow (NOI/DSCR), valuation review, lease review, 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, well-written credit approval memoranda identifying risks, mitigants, policy exceptions, and recommended structures and covenants.
- Present credits in formal credit committee and defend recommendations.
- Partner with commercial relationship managers to structure credits that win business while protecting the bank.
- Manage an assigned portfolio segment, including annual reviews, interim monitoring, borrowing-base oversight, covenant testing, and financial and trending analysis.
- Ensure timely and accurate assignment and ongoing validation of risk ratings; identify risk 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 refinement of 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
