Commercial Credit Underwriter (Full Time) - SB Greenway

Prosperity Bank; Houston (TX); Presencial; USD 75.000 - 105.000; Jornada completa

Descripción de la vacante

Prosperity Bank in Houston, TX seeks a Commercial Credit Underwriter (Full Time) to perform quantitative and qualitative credit analysis for commercial loan requests. You will work with lending officers to understand risks and structure loans to mitigate them, preparing concise written presentations with timely turnaround.

The role requires solid financial statement analysis, proficiency in Word, Excel and PowerPoint, and clear verbal and written communication.

Formación

• College degree in business or equivalent; coursework in accounting, finance, and financial statement analysis.
• Completion of banking internship desired.
• Proficient in Word, Excel, and PowerPoint.

Responsabilidades

• Analyze client financial statements, spreads, and ratios and assess industry and economic risks.
• Review credit issues with loan officers and obtain additional information as needed.
• Prepare credit memoranda summarizing lending opportunities, risks, and proposed loan structures.
• Describe how loan structures mitigate identified risks.
• Identify high-risk credit situations and take action to protect the Bank.

Conocimientos

Financial analysis

Written communication

Verbal communication

Multitasking

Confidentiality

Educación

Bachelor's degree in business or equivalent

Banking internship experience

Herramientas

Microsoft Word

Microsoft Excel

PowerPoint

Descripción del empleo

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Commercial Credit Underwriter (Full Time) - SB Greenway

Full Time Credit Underwriting SB - Greenway Plaza, Houston, TX, US

3 days ago Requisition ID: 11223

Prosperity Bank is an Equal Opportunity Employer.

POSITION PURPOSE

Performs quantitative and qualitative credit analysis and underwriting for commercial loan requests. Works with commercial lending officers to understand and measure the risks associated with both new and existing client relationships and to create loan structures to mitigate these risks. Prepares written presentations summarizing loan opportunities with minimal turn-around times.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Analyzes client-specific financial statements, spreads, and ratios as well as broader industry and economic risks that could jeopardize loan repayment.
• Receives instruction from loan officers to review credit issues and obtain additional information, including outside calls as required.
• Prepare credit memorandums that summarize lending opportunities, the associated risks, and the proposed loan structure.
• Describes how loan structures mitigate identified risks.
• Identify high-risk credit situations and take appropriate action to ensure that the Bank is well protected.
• Other duties as assigned.

The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

SUPERVISORY RESPONSIBILITIES:

This role has no supervisory responsibilities

QUALIFICATIONS

Education/Certification:

College degree in business or equivalent; or equivalent combination of education and experience. College coursework should include accounting, finance, and financial statement analysis. Completion of a banking internship desired.

Required Knowledge:

Proficient in Microsoft Word, Excel, and PowerPoint

Skills/Abilities:

Ability to read, analyze, and interpret financial statements, industry data, and customer profiles. Ability to produce both oral and written presentations.

Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations. Ability to create and interpret projections based on extrapolation of financial data.

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical information in mathematical or diagram form and deal with several abstract and concrete variables.

Ability to make appropriate judgments and decisions with limited guidance.

Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Excellent planning and organizational skills, including the ability to work independently.

Strong written and verbal communications skills.

Ability to maintain confidentiality and instill trust within the organization.

Ability to multitask is essential.

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PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking:

Especially where one must frequently convey detailed or important instructions orideas accurately, loudly, or quickly.

Average Hearing:

Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion:

Movements frequently and regularly required using the wrists, hands, and/orfingers.

Average Visual Abilities:

Average, ordinary, visual acuity necessary to prepare or inspect documents orproducts, or operate machinery.

Physical Strength:

Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None:

No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability:

Ability to apply logical or scientific thinking to define problems, collect dataestablish facts and draw conclusions.

Able to interpret a variety of technical instructions and can deal with multiplevariables.

Mathematics Ability:

Ability to compute discount, interest, profit, and loss; commission markup andselling price; and ratio, proportion, and percentage.

Able to perform very simple algebra.

Language Ability:

Ability to read periodicals, journals, manuals, dictionaries, thesauruses, andencyclopedias.

Ability to prepare business letters, proposals, summaries, and reports usingprescribed format and conforming to all rules of punctuation, grammar, diction, andstyle.

Ability to conduct training, communicates at panel discussions, and makeprofessional presentations.