Central Credit Underwriter II - Commercial

Frost; San Antonio (TX); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

401(k) matching

Generous holiday and paid time off

Tuition reimbursement

Employee Assistance Program

Job summary

Frost seeks a Central Credit Underwriter II in Texas. You will approve or decline consumer credit requests with underwriting authority up to $1,000,000 and commercial requests with underwriting authority up to $1,000,000, while building relationships and delivering top-quality service with integrity and excellence.

As part of Frost’s 150-year legacy, you’ll mentor bankers, train Underwriter I’s, and serve as a department liaison, helping the team navigate fast-paced lending environments with

Qualifications

• Bachelor's degree preferred in Business, Finance, Accounting, or Economics or equivalent experience.
• 2+ years of lending experience, preferably underwriting.
• Proven track record in underwriting with solid cash-flow analysis.
• Ability to analyze financial statements and leverage ratios.
• Excellent written and verbal communication skills.

Responsibilities

• Approve/decline or recommend financing within loan authority.
• Mentor, train and coach bankers.
• Assist in training and mentoring Underwriter I’s.
• Act as the department liaison.
• Always act with integrity, caring, and excellence to achieve optimal outcomes.

Skills

Attention to detail

Organizational skills

Adaptability

Integrity

Communication

Microsoft Office

Education

Bachelor's degree preferred in Business, Finance, Accounting, or Economics

Tools

Microsoft Office applications

Job description

Job Description

It’s about interactions more than transactions.

Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? If so, being a Central Credit Underwriter II with Frost could be for you.

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s over 150-year legacy of providing unparalleled financial services.

Who You Are

As a Central Credit Underwriter II your opinion matters. You will be responsible for approving or declining consumer credit requests with underwriting authority of $100,000 to $1,000,000 or commercial credit requests with underwriting authority of $250,000 to $1,000,000. More than that, this role is about building relationships and providing top-quality service and doing so with integrity, caring, and excellence in mind.

What You’ll Do

• Approve/decline or make recommendation for alternative financing within established loan authority
• Mentor, train and coach bankers
• Assist in training and mentoring Underwriter I’s
• Act as the department liaison
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What You’ll Need

• Bachelor's degree preferably in Business, Finance, Accounting, or Economics or equivalent experience
• 2+ years of experience in lending, preferably within underwriting
• Proven record of success in an underwriting environment
• Ability to understand cash flow, financial statements and leverage ratios
• Ability to analyze financial statements and evaluate cash flow, capital and collateral adequacy
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications

Our Benefits

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it’s about being part of something bigger.