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Sunflower Bank, N.A. · 1 week ago

Commercial Credit Underwriter I

Dallas, TX

Full-time

Onsite

Entry Level

2+ years exp

Sunflower Bank, N.A. is a full-service financial institution committed to serving communities and supporting team members. They are seeking a Commercial Credit Underwriter I responsible for assessing the creditworthiness of commercial customers and assisting Commercial Bankers in managing loan relationships.

BankingFinancial ServicesWealth Management

Responsibilities

Spread, review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information

Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections

Research pertinent industry and market information relevant to customers’ lines of business

Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship

Communicate key analytical finding and opinions to Business/Commercial Bankers, management or credit officers

Assist in monitoring assigned credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed

Participate in departmental or company-wide projects

Attend joint calls with the Commercial Banker to gather more information about the business

Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria

Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC)

Qualification

Credit analysisFinancial statement analysisCommercial lending expertiseMicrosoft Office SuiteBusiness math skillsMulti-taskingCustomer service skillsCritical thinkingCommunication skillsTeam collaboration

Required

Bachelor's Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have completed a formal credit training program or certification

2+ years of experience in credit analysis/portfolio management in a commercial lending environment required

Must possess specific area of underwriting expertise in at least one area of lending, such as commercial real estate, commercial and industrial lending or SBA lending

Must possess proven ability to successfully understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns

Must be proficient in Microsoft Office Suite

Must possess strong business math skills

Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing

Must possess ability to multi-task, prioritize and meet deadlines

Must have ability to work collaboratively by finding common ground to solve problems with the ability to represent his/her own opinion

Must remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally

Must possess excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators

Must have the ability to travel to branch offices as needed

Must be able to work flexible hours