Credit Underwriter II - Commercial

Job Description

Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in ever‑changing, fast‑paced environments? Are you ready to facilitate all the moving pieces to help deliver a top‑quality experience? If so, becoming a Central Credit Underwriter II with Frost could be for you.

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity‑driven team, you’ll become part of Frost’s over 150‑year legacy of providing unparalleled financial services.

As a Central Credit Underwriter II
, your opinion matters. You will be responsible for approving or declining consumer credit requests with underwriting authority of $100,000 to $1,000,000 or commercial credit requests with underwriting authority of $250,000 to $1,000,000. Beyond that, this role is about building relationships and providing top‑quality service with integrity, caring, and excellence.

• Approve/decline or make recommendation for alternative financing within established loan authority
• Mentor, train and coach bankers
• Assist in training and mentoring Underwriter I’s
• Act as the department liaison
• Always take action using Integrity, Caring, and Excellence to achieve win‑win outcomes

• Bachelor’s degree preferably in Business, Finance, Accounting, or Economics or equivalent experience
• 2+ years of experience in lending, preferably within underwriting
• Proven record of success in an underwriting environment
• Ability to understand cash flow, financial statements and leverage ratios
• Ability to analyze financial statements and evaluate cash flow, capital and collateral adequacy
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications

• Medical, dental, vision, long‑term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program + more!

Since 1868, Frost has dedicated its expertise to providing exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost it’s about being part of something bigger. If this sounds like you, we encourage you to apply and see what’s possible.