Credit Underwriter III

Sunflower Bank Mortgage Lending; Dallas (TX); On-site; USD 85,000 - 115,000; Full time

Benefits offered by this job

401(k) Plan with Match

Health Insurance

Tuition Reimbursement

Paid Time Off

Job summary

Sunflower Bank, N.A. is seeking a Credit Underwriter III in Dallas, TX. The role focuses on reviewing financial statements, tax returns, and credit reports to determine borrower creditworthiness and necessary additional information.

You will prepare detailed reports and communicate key findings to Commercial Bankers and management. Ideal candidates bring 7–10+ years in credit analysis, strong MS Office skills, and the ability to multi-task in a fast-paced banking environment, while adhering to

Qualifications

• Must be proficient in analyzing financial statements, including balance sheets, income statements, cash flow and tax returns.
• Ability to assess creditworthiness and determine needs for further information.
• Excellent written and verbal communication to summarize analyses for bankers and credit officers.

Responsibilities

• Review and analyze financial and credit information to determine creditworthiness for borrowers and guarantors.
• Prepare detailed financial analyses, including cash flow trends and projections.
• Summarize analysis for loan relationships and communicate findings to bankers and credit officers.

Skills

Critical thinking

Strong communication

Analytical thinking

Multi-tasking

Team collaboration

Business math

Education

Bachelor’s Degree in Accounting, Business, Economics, Finance

Tools

Microsoft Office Suite

Job description

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.

Job Type

Full-time

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 be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• 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!

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

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.

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