Senior Commercial Underwriter (Full Time) - SB Greenway

Prosperity Bank; Houston (TX); Sur place; USD 70 000 - 90 000; Plein temps

Résumé du poste

Prosperity Bank in Houston is seeking a qualified Credit Analyst to perform quantitative and qualitative underwriting for commercial loan requests. You will work closely with commercial lending officers to understand risks and structure loans to mitigate them.

Responsibilities include analyzing financial statements and industry risk, preparing loan presentations, reviewing credit issues with borrowers, and presenting recommendations to loan committees.

Qualifications

• College degree in business or equivalent and 3+ years of related banking experience.
• Proficient in Microsoft Word, Excel, and PowerPoint.

Responsabilités

• Analyze client financial statements, spreads, and ratios and assess industry/econonomic risks impacting loan repayment.
• Collaborate with borrowers and loan officers to obtain information and address credit issues.
• Structure loans within policy to mitigate risk and present clear loan terms.

Connaissances

Credit analysis

Underwriting

Financial statements

Presentation skills

Industry analysis

Risk mitigation

Confidentiality

Multitasking

Formation

Bachelor's degree in business or equivalent

Outils

Microsoft Word

Excel

PowerPoint

Description du poste

Prosperity Bank is an Equal Opportunity Employer.

POSITION PURPOSE

Performs quantitative and qualitative credit analysis and underwriting for commercial loan requests. Works closely 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 in-depth 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.
• Work with borrowers and loan officers to review credit issues and obtain additional information, including outside calls as required.
• Structures loans within policy and to effectively mitigate risk.
• Prepare credit memorandums that summarize lending opportunities, the associated risks, and the proposed loan structure.
• Identify high‑risk credit situations and take appropriate action to ensure that the Bank is well protected.
• Conduct or assist with presentations to loan approval authorities, including loan committee.
• Assists other analysts as needed.
• 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 and 3+ years of related banking experience; or equivalent combination of education and experience. Completion of a formal credit training program is desired.

Required Knowledge: Proficient in Microsoft Word, Excel, and PowerPoint

Experience Required: Experience in underwriting business loans for commercial bank clientele across a variety of industries. Must have familiarity with regulation and industry best practices for commercial and industrial and commercial real estate loans.

Skills/Abilities

Experience Required:

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.

Talking

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Especially where one must frequently convey detailed or important instructions or ideas 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/or fingers.

Average Visual Abilities

Average, ordinary, visual acuity necessary to prepare or inspect documents or products, 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).

Reasoning Ability

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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

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

Mathematics Ability

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

Able to perform very simple algebra.

Language Ability

Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.

Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.

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

Monday - Friday: 8:00AM - 5:00PM