Credit Underwriter III - CRE

Description

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates.

Learn more about Sunflower Bank at

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Credit Underwriter III - CRE
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The Credit Underwriter III - CRE position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s moderately complex credit relationships. The position assists Business/Commercial Bankers in supporting new and existing loan relationships with an emphasis on maximizing credit quality and minimizing risk.

• Review and analyze financial and credit information, such as financial statements, tax returns, schedules of real estate and credit reports to determine cashflow of properties, and creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information.
• Prepare detailed financial and analytical credit approval and loan review reports using leases, rent rolls, appraisals, environmental reports. Analysis may include historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections.
• Research pertinent industry and market information relevant to MSA and submarkets that the collateral is located.
• Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship.
• Communicate key analytical findings and opinions to bankers, management or credit officers.
• Ability to review and negotiate loan documents on behalf of the bank.
• Understanding and ability to review and analyze title on commercial real estate properties.
• Assist in monitoring credit files, such as periodic financial statements, tax returns, rent rolls, leases, personal financial statements, and schedules of real estate, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed.
• Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
• Participate in departmental or company-wide projects. Seek and propose process improvements.
• Provide technical advice and assistance to Bankers and customers.
• Assist as a lead in the review of work, training, and development of more credit analysts and more junior Credit Underwriters.
• Attend joint calls with the Banker to gather more information about the collateral.
• Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria.
• Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC).

• Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have been…