Senior CRE Credit Underwriter III

Sunflower Bank NA; Dallas (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

401(k) Match

Health/Dental/Vision

Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Job summary

Sunflower Bank, N.A. is seeking a Credit Underwriter III - CRE to assess the creditworthiness of commercial borrowers, focusing on moderately complex CRE relationships and supporting Business/Commercial Bankers in loan origination and risk management.

You will analyze financial statements, rent rolls, appraisals, and market data, prepare detailed credit reports, and communicate findings to bankers and credit officers.

Qualifications

• Bachelor’s degree in Accounting, Business, Economics, Finance, or related field; or high school diploma with 10+ years in the field.
• 7+ years of experience in credit analysis/credit underwriting in a commercial real estate lending environment.
• 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 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.

Responsibilities

• Review and analyze financial and credit information to determine cash flow and creditworthiness.
• Prepare detailed financial and analytical credit approval and loan review reports using leases, rent rolls, appraisals, environmental reports.
• 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, assessing cash flow, collateral and repayment sources.
• Communicate key analytical findings and opinions to bankers, management or credit officers.
• Review and negotiate loan documents on behalf of the bank.
• Assist in monitoring credit files and covenant compliance and regulatory requirements.

Skills

Credit analysis

Underwriting

Financial statements

Cash flow analysis

Microsoft Office

Education

Bachelor’s Degree in Accounting/Business/Finance

High school diploma or equivalent with 10+ years

Tools

Microsoft Office

Job description

Sunflower Bank, N.A. is seeking a Credit Underwriter III - CRE to assess the creditworthiness of commercial borrowers, focusing on moderately complex CRE relationships and supporting Business/Commercial Bankers in loan origination and risk management.

You will analyze financial statements, rent rolls, appraisals, and market data, prepare detailed credit reports, and communicate findings to bankers and credit officers.