Commercial Loan Underwriter

Role Overview

Texas Business Lenders Group is seeking an experienced Commercial Loan Underwriter. Based in Fort Worth, we are a Credit Union Service Organization that serves the Member Business Lending functions for multiple credit unions primarily in Texas, including EECU. We provide underwriting and credit analysis, loan documentation, and servicing for commercial loans of our client credit unions. This full time position will be responsible for performing thorough analysis of credit union commercial business loan requests and periodic reviews of existing loans.

• Analyze and underwrite commercial loan requests and supplemental financial information from credit union clients.
• Prepare Credit Approval Packages for approval submission, detailing analysis of submitted loan request for Capacity, Capital, Character, Collateral, and Condition and other relevant risk factors.
• Ensure loan requests comply with lending policy and product specification or counteroffert to different product when appropriate.
• Communicate recommendations (approval, suspense, denial) to appropriate individuals within credit union, uphold fair lending practice of Texas Business Lending Group and the credit union, and meet target for productivity, quality, and customer satisfaction.
• Manage a portfolio primarily of loans secured by commercial real estate of various property types, with a secondary focus on Commercial & Industrial (C&I) lending.
• Conduct periodic reviews of existing loans, providing CU clients with updates on payment history, financial performance, and assessment of other risk factors and trends.
• Participate in special projects related to loan portfolio monitoring and reporting as needed.

Responsible for compliance with all Federal and State rules and regulations, including Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, Reg DD, Reg E, Reg CC, Reg Z, Reg B, FCRA/FACTA, and Service Members Civil Relief. Required to attend initial and ongoing annual Bank Secrecy Act training.

• Bachelor's degree in finance, accounting, business, or related field (preferred).
• Minimum three years of experience in commercial lending industry with experience in underwriting, processing, and/or servicing commercial loans.
• Experience analyzing tax returns, financial statements, credit reports, and other financial information from individuals and various entity types.
• Experience with real estate third‑party reports including appraisals, Physical Condition Assessments, and Phase I & II Environmental Site Assessments.
• Excellent financial analysis skills and ability to adapt to credit union industry requirements.
• Solid written communication skills.
• Proficiency with various software applications; strong Excel skills and experience in financial analysis, forecasting, and modeling.
• Experience or training in loan participations, secondary market, and/or SBA lending is helpful but not required.

EECU will conduct background checks, including employment, criminal, and drug screening. Only applicants with good credit history will be considered for open positions.

TBLG and EECU are EOE/Vets/Disabled Employers.

We are an Equal Opportunity Employer and do not discriminate against applicants due to veteran status or on the basis of disability.