Strategic Business Lending Underwriter II

Origin Bank; Sugar Land (TX); On-site; USD 70,000 - 95,000; Full time

Job summary

Origin Bank in Sugar Land, TX seeks an experienced underwriter to assess loan applications of $3 million or less, analyzing income, debt, and credit history. The role requires evaluating DSC, preparing cash flows and collateral valuations, and delivering clear decisions with supporting comments.

Candidates should have a bachelor’s degree and at least five years in business underwriting, with strong lending policy knowledge and financial statement analysis skills.

Qualifications

• Bachelor's degree and at least five years' business underwriter experience.
• Ability to read, analyze, and interpret business information and financial data.
• Working knowledge of lending policies and applicable regulations.

Responsibilities

• Evaluate loan applications up to $3 million for business purposes.
• Analyze income and debt to determine DSC.
• Prepare cash flows, financial analysis, and collateral valuations.
• Review financial statements using trend and ratio analysis.
• Decide on loan approval, conditional approval, or denial.
• Provide written comments to support loan decisions.
• Maintain relationships with lenders and staff.
• Guide lenders on policy requirements, structure, covenants and monitoring.

Skills

Financial analysis

Credit evaluation

Debt service coverage

Cash flow analysis

Risk assessment

Education

Bachelor's degree

5+ years business underwriting experience

Tools

Excel

Word

Job description

Origin Bank in Sugar Land, TX seeks an experienced underwriter to assess loan applications of $3 million or less, analyzing income, debt, and credit history. The role requires evaluating DSC, preparing cash flows and collateral valuations, and delivering clear decisions with supporting comments.

Candidates should have a bachelor’s degree and at least five years in business underwriting, with strong lending policy knowledge and financial statement analysis skills.