Credit Underwriter III - CRE

Sunflower Bank NA; Scottsdale (AZ); Presencial; USD 120 000 - 160 000; Tempo integral

Resumo da oferta

Sunflower Bank, N.A. is seeking an energetic Credit Underwriter III - CRE to assess creditworthiness of commercial borrowers, focusing on moderately complex CRE relationships. The role supports bankers with underwriting analysis, cash flow evaluation, and collateral assessment.

You will prepare detailed reports, review financial statements, and stay informed on industry trends, regulatory requirements, and loan documentation. Join a growth-focused bank with strong community ties.

Qualificações

• Bachelor’s degree in accounting, business, economics, or finance
• 7+ years of credit analysis/underwriting in CRE lending
• Proven ability to analyze financial statements (balance sheets, income statements, cash flow)
• Proficiency with Microsoft Office Suite and related tools

Responsabilidades

• Review and analyze financial and credit information to determine cash flow and creditworthiness for borrowers/guarantors
• Prepare detailed credit approval and loan review reports using leases, rent rolls, appraisals, and environmental reports
• Research industry and market information relevant to the collateral location
• Prepare written summaries of analysis for new and existing loan relationships
• Communicate analytical findings to bankers and credit officers
• Review loan documents and negotiate terms on behalf of the bank
• Monitor credit files and covenant compliance per loan documents
• Attend joint calls with bankers to gather collateral information

Conhecimentos

Credit analysis

Underwriting

Financial analysis

Communication

Multi-tasking

Formação académica

Bachelor’s Degree in Accounting/Finance

Ferramentas

Microsoft Office Suite

Descrição da oferta de emprego

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 - CRE.

Description:

The Credit Underwriter III - CRE position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s moderately complex credit relationships. The position assists Business/Commercial Bankers in supporting new and existing loan relationships with an emphasis on maximizing credit quality and minimizing risk.

Responsibilities:

• Review and analyze financial and credit information, such as financial statements, tax returns, schedules of real estate and credit reports to determine cashflow of properties, and 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 credit approval and loan review reports using leases, rent rolls, appraisals, environmental reports. Analysis may include historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections.
• Research pertinent industry and market information relevant to MSA and submarkets that the collateral is located.
• 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 findings and opinions to bankers, management or credit officers.
• Ability to review and negotiate loan documents on behalf of the bank.
• Understanding and ability to review and analyze title on commercial real estate properties.
• Assist in monitoring credit files, such as periodic financial statements, tax returns, rent rolls, leases, personal financial statements, and schedules of real estate, 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 Bankers and customers.
• Assist as a lead in the review of work, training, and development of more credit analysts and more junior Credit Underwriters.
• Attend joint calls with the Banker to gather more information about the collateral.
• 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).

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+ years of experience in credit analysis/credit underwriting in a commercial real estate lending environment required.
• Must possess sound underwriting in areas of investor commercial real estate.
• Experience with construction and bridge lending is a plus.
• 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.

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!

You’ve never worked anyplace like Sunflower Bank!

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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