Credit Underwriter III

Sunflower Bank, N.A.; Dallas (TX); On-site; USD 75,000 - 115,000; Full time

Benefits offered by this job

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Job summary

Sunflower Bank, N.A. in Dallas, TX seeks a Credit Underwriter III to assess creditworthiness for borrowers and guarantors, analyze financial statements, and prepare detailed reports.

The role requires extensive underwriting experience in commercial lending, especially in healthcare services, with strong communication skills. You will review financials, coordinate with bankers, monitor covenant compliance, and participate in department projects while mentoring junior underwriters.

Qualifications

• Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar.
• 10+ years of experience in credit analysis/credit underwriting in a commercial lending environment.
• Healthcare services sector underwriting experience.
• Proficiency in financial statement analysis (balance sheets, income statements, cash flow, tax returns).
• Proficient in Microsoft Office Suite; strong business math and concise communication.

Responsibilities

• Review and analyze financial information to determine creditworthiness for borrowers and guarantors.
• Prepare detailed financial and analytical reports with cash flow analyses and projections.
• Research industry and market information relevant to customers’ lines of business.
• Summarize analysis for new and existing loan relationships; assess strengths and weaknesses.
• Communicate findings to bankers, management, and credit officers.
• Monitor credit files and ensure covenant compliance and reporting requirements.
• Provide technical advice to bankers and customers; assist in training junior underwriters.
• Participate in process improvements and joint calls to gather information.

Skills

Credit analysis

Underwriting

Financial statement analysis

Excel

Communication

Multi-tasking

Team collaboration

Education

Bachelor's Degree in Accounting/Business/Finance or related field

High school diploma with 10+ years in discipline

Tools

Microsoft Office Suite

Job description

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com.

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Credit Underwriter III in Dallas, TX.

Responsibilities

• 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 credit files, such as 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.
• Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
• Participate in departmental or company-wide projects. Seek and propose process improvements.
• Provide technical advice and assistance to Business/Commercial Bankers and customers.
• Assist as a lead in the review of work, training, and development of more junior Credit Underwriters.
• 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).
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
• Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
• Understand and participate in the Bank’s Community Reinvestment Act program.
• Perform other duties as assigned.

Education / Experience Preferred

• 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 been in this discipline a minimum of 10+ years.
• 7-10+ years of experience in credit analysis/credit underwriting in a commercial lending environment required.
• Must possess sound underwriting experience in the healthcare services sector.
• 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 develop professionally.
• Must be bondable

Pay is dependent on knowledge, skills, abilities, experience, and location.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to the financial backbone of their lives, and we know that starts with our team.

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates Enjoy Outstanding Benefits, Including

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

EOE/AA: Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

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