Senior Underwriter — C&I & CRE Strategist (TX)

Susser Bank; Dallas (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

Susser Bank, a Texas regional bank, seeks a seasoned Senior Underwriter to independently underwrite complex C&I and CRE credits. You will manage your own deal load, mentor junior staff, and contribute to policy refinement on a collaborative credit team in a 100% in-office setting across Texas.

You will analyze financial statements, NOI/DSCR, appraisals, and market data, presenting to credit committees and structuring facilities to win business while protecting the bank.

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 credits.
• Proven ability to independently underwrite complex C&I and CRE transactions.
• Strong Texas market knowledge across multiple industries and property types.
• 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 concise, persuasive credit narratives.

Responsibilities

• Independently underwrite new and existing C&I and CRE credits/relationships ranging from $3 million–$50+ million.
• Perform full financial analysis and cash-flow modeling on borrowers, sponsors, and guarantors.
• Conduct in-depth CRE analysis including NOI/DSCR, valuations, leases, environmental reports, and market studies.
• Assess risk, assign dual risk ratings, and prepare comprehensive credit approval memoranda.
• Present credits in formal credit committee and defend recommendations.
• Partner with relationship managers to structure credits that win business while protecting the bank.
• Manage portfolio segment with annual reviews, monitoring, covenant testing, and trend analysis.
• Mentor and develop junior underwriters and analysts; contribute to policy refinement.

Skills

Deal underwriting

C&I underwriting

CRE underwriting

Texas market knowledge

Financial spreading

Credit narratives

Education

Bachelor's degree

Job description

Susser Bank, a Texas regional bank, seeks a seasoned Senior Underwriter to independently underwrite complex C&I and CRE credits. You will manage your own deal load, mentor junior staff, and contribute to policy refinement on a collaborative credit team in a 100% in-office setting across Texas.

You will analyze financial statements, NOI/DSCR, appraisals, and market data, presenting to credit committees and structuring facilities to win business while protecting the bank.