Senior Underwriter

Susser Bank; Houston (TX); On-site; USD 120,000 - 170,000; Full time

Job summary

Susser Bank in Texas is seeking a seasoned Senior Underwriter to independently underwrite complex middle-market C&I and CRE credits. The role is 100% in-office on a collaborative credit team; you will manage your own deal load.

You will conduct financial analysis, assess risk, prepare credit memos, present to the credit committee, and mentor junior analysts. Strong Texas market knowledge and deep underwriting skills are essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 7–10+ years of progressive commercial banking underwriting experience with C&I and CRE exposure.
• Proven ability to independently underwrite complex C&I and CRE transactions.
• Strong Texas market knowledge across multiple industries.

Responsibilities

• Independently underwrite C&I and CRE credits and relationships ranging from $3M to $50M+.
• Perform full financial analysis and cash flow on borrowers, sponsors, and guarantors.
• Conduct in-depth CRE analysis including NOI/DSCR, valuations, lease review, enviro reports, and market studies.
• Assess risk, assign dual risk ratings, and prepare credit approval memoranda.
• Present credits in formal credit committee and defend recommendations.
• Partner with relationship managers to structure credits that win business.
• Actively manage an assigned portfolio: annual reviews, monitoring, covenants, and trend analysis.
• Mentor and develop junior underwriters and analysts through deal reviews and training.

Skills

Commercial underwriting

Financial modeling

Credit narrative writing

Presentation skills

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Job description

Susser Bank, a rapidly growing, entrepreneurial Texas regional bank, is seeking a seasoned Senior Underwriter with deep expertise in both Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending. This is a 100% in-office, high-impact role on a collaborative credit team that independently underwrites complex middle-market credits across Texas. The successful candidate will carry their own deal load while actively mentoring and developing junior analysts and associate-level team members.

Primary Duties and Responsibilities

• Independently underwrite new and existing C&I and CRE credits/relationships ranging from $3 million – $50+ million (term loans, revolving lines of credit, owner-occupied and investor CRE, construction, ABL, equipment finance, and syndicated/participated facilities).
• Perform full financial analysis and global cash flow on borrowers, sponsors, and guarantors (spreading historical and projected financials, enterprise value analysis, tax returns, personal financial statements, rent rolls, operating statements, etc.).
• Conduct in-depth CRE analysis including property cash flow (NOI/DSCR), valuation review (appraisals, BOVs), lease review, environmental reports, market studies, and construction budgets/draw schedules when applicable.
• Assess industry risk, management quality, collateral adequacy, repayment capacity, and assign accurate dual risk ratings.
• Prepare comprehensive, well-written credit approval memoranda that clearly identify risks, mitigants, policy exceptions (if any), and recommended structure/covenants.
• Present credits in formal credit committee and defend recommendations.
• Partner closely with commercial relationship managers to structure credits that win business while protecting the bank.
• Actively manage an assigned portfolio segment: conduct annual reviews, interim monitoring, borrowing-base oversight, covenant testing, and financial/trending analysis.
• Ensure timely and accurate assignment and ongoing validation of risk ratings; proactively identify migration and recommend rating adjustments as conditions change.
• Actively mentor, train, and develop junior underwriters and credit analysts through deal reviews, shadowing, and formal training sessions.
• Contribute to ongoing refinement of credit policy, underwriting standards, concentration monitoring, and portfolio stress testing.

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 7–10+ years of progressive commercial banking underwriting experience with significant exposure to both C&I and CRE (owner-occupied and investor) credits.
• Proven ability to independently underwrite complex C&I and CRE transactions.
• Strong Texas market knowledge across multiple industries and property types (multifamily, retail, office, industrial, medical office, self-storage, hospitality, etc.).
• Advanced financial spreading and cash-flow modeling skills
• Formal credit training strongly preferred (RMA Commercial Lending School, Omega, Stonier, or bank equivalent).
• Excellent written and presentation skills with a track record of writing concise, persuasive credit narratives.

Preferred Skills and Attributes

• Prior formal mentoring or team-lead experience.
• Experience with participated/syndicated credits and agent bank relationships.
• Familiarity with Texas regulatory environment and community bank lending practices.
• High energy, intellectual curiosity, and a passion for credit risk management.

Susser Bank is an equal opportunity employer.Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.

Susser Bank participates in E-Verify.

Qualifications

Behaviors

Preferred

Team Player : Works well as a member of a group

Detail Oriented : Capable of carrying out a given task with all details necessary to get the task done well

Dedicated : Devoted to a task or purpose with loyalty or integrity

Motivations

Preferred

Ability to Make an Impact : Inspired to perform well by the ability to contribute to the success of a project or the organization

Self-Starter : Inspired to perform without outside help

Growth Opportunities : Inspired to perform well by the chance to take on more responsibility

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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