Credit Underwriter III

Job Description

Job Description

Description :

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Credit Underwriter III . The Credit Underwriter III 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.

Seeking candidates with strong experience (5+ years) in Commercial Real Estate (CRE).

• Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine 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 reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections.
• Research pertinent industry and market information relevant to customers’ lines of business.
• 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 finding and opinions to Business / Commercial Bankers, management or credit officers.
• Assist in monitoring credit files, such as periodic financial statements, borrowing base certificates, accounts receivable aging, 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 Business / Commercial Bankers and customers.
• Assist as a lead in the review of work, training, and development of more junior Credit Underwriters.
• Attend joint calls with the Commercial Banker to gather more information about the business.
• 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).

Education / Experience Preferred :

Pay is dependent on knowledge, skills, abilities, experience, and location.

Sunflower Bank Benefits

Employees enjoy outstanding benefits, including :

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives and we know that starts with our team.

If you qualify, apply online at www.sunflowerbank.com / careers.

You’ve never worked anyplace like Sunflower Bank!

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

Requirements :