Commercial Credit Underwriter

Who we are

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision, and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide. The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.

We are seeking an experienced Commercial Credit Underwriter for our growing lending team! Cornerstone Capital Bank provides middle-market and community bank commercial lending in the major urban markets of Texas and in the areas around Bastrop, Sweetwater, Roscoe, and Lubbock, Texas.

• Underwrite community, middle market, and corporate C&I and CRE credit opportunities. Underwriting responsibilities may also include agriculture, private banking, lender finance, and syndicated credit opportunities. Credits will typically range from moderate to highly complex borrower relationships.
• Analyze and assess all available credit and financial information, including financial statements, tax returns, cash flow, collateral, guarantor support, and industry trends.
• Prepare detailed underwriting summaries, conduct industry research, identify key risks and mitigating factors, and routinely develop credit presentations to support lending recommendations.
• Collaborate with Relationship Managers and other internal partners to assess client needs, evaluate banking products and structures, design effective credit solutions, and deliver quality outcomes that support both client relationships and the Bank's strategic objectives.
• Complete annual credit reviews for assigned commercial relationships, including comprehensive financial analysis, covenant compliance evaluation, risk rating recommendations, and timely completion within established service expectations.
• Perform ongoing covenant compliance monitoring and testing for commercial loan relationships, including annual and quarterly financial covenant calculations, borrower reporting tracking, compliance documentation, and escalation of exceptions or emerging credit concerns to management.
• Participate in customer and prospect discussions as needed to support transaction structuring and relationship management.
• Ensure underwriting and portfolio management activities comply with internal credit policy, regulatory guidance, and lending authority standards.
• Stay abreast of the latest financial and banking product knowledge, financial markets, and relevant regulations and business trends.
• Support loan committee presentations and assist senior leadership with portfolio reporting, risk management initiatives, and credit projects.
• Mentor junior underwriters while contributing to departmental process improvements, operational efficiency initiatives, and overall credit quality standards.

• Three or more years of experience in commercial credit underwriting, financial analysis, and loan structuring within a banking or financial services environment.
• Experience underwriting Commercial Real Estate (CRE), Commercial & Industrial (C&I), and other commercial borrower relationships across a variety of industries and transaction types.
• Completion of a formal commercial credit training program preferred.
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field generally required; relevant graduate coursework, certifications, or advanced degrees are considered a plus.
• Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and deadlines in a fast-paced environment.
• Excellent interpersonal, verbal, and written communication skills with the ability to effectively interact with team members, management, internal committees, and clients.
• Ability to independently identify issues, assess risk, and develop practical solutions and recommendations.
• Proficiency in Microsoft Office products, including Teams, Word, Excel, and PowerPoint; experience with Salesforce, nCino, or similar banking platforms preferred.
• Ability to work effectively in either a remote or office environment, with occasional travel…