Senior Underwriter

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Full Time Houston, TX, US

30+ days ago Requisition

• Underwrite and evaluate commercial lending opportunities in accordance with the Bank’s credit policies, underwriting standards, and regulatory guidelines.
• Conduct financial analysis including cash flow, collateral evaluation, industry trends, and global debt capacity to assess borrower risk and repayment ability.
• Prepare detailed credit memoranda and present financing recommendations to senior credit management or credit committee.
• Structure loan transactions and negotiate terms and conditions within assigned lending authority or recommend approval to the Chief Credit Officer.
• Coordinate with loan operations, closing staff, and legal counsel to ensure approved loans are properly documented and closed in compliance with Bank policies and regulatory requirements.
• Review and process renewals, extensions, and modifications of existing credit facilities while monitoring borrower performance and covenant compliance.
• Perform credit investigations including credit bureau inquiries, lien searches, and UCC filings to confirm creditworthiness and collateral position.
• Monitor loan portfolio performance and identify emerging credit risks, recommending appropriate risk mitigation strategies when necessary.
• Collaborate with legal counsel and special assets teams on problem loans, restructurings, bankruptcies, and charge-offs.
• Support business development efforts by identifying opportunities to cross-sell deposit and treasury management products and services.
• Provide guidance and mentorship to junior credit analysts and underwriting staff.
• Maintain current knowledge of regulatory requirements and accounting standards impacting the loan portfolio, including CECL methodology and credit risk management practices.

• Strong organizational, interpersonal, and communication skills
• Detail oriented, time management skills and ability to multi-task
• Cooperates with management and peers to accomplish team and Bank goals.
• Must be a team player and ability to resolve problems and conflicts
• Proficient in Microsoft Office Products including Word, Excel, and/or Power Point

• Bachelor's degree in Finance or Accounting
• 5 years of financial services experience preferred

Job Type: Full-time

• 401(k)
• Health insurance
• Vision insurance

Schedule:

• 8 hour shift

Education:

• Bachelor's (Preferred)

Experience:

• Underwriters & Credit Analysts: 5 years (Required)