Senior Underwriter – C&I & CRE (Texas)

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 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.