Senior Underwriter, Humble

Job Description

Job Description

Position Summary: Responsible for underwriting new and existing loans for the Corporate Banking team. Assist teams in portfolio management activities. Ensures portfolio achieves soundness, profitability, and growth objectives. Skills and Experience: 2+ years’ credit and work experience related to various aspects of middle market banking Must be able to spread, analyze, and interpret complex financial statements Must be able to prepare stress projection models and analyze relevant financial and covenant ratios Must be able to identify and address strengths and weaknesses and risk and mitigants embedded in loan requestsMust be able to prepare credit memos/reports as part of the credit approval process Proficient knowledge of credit policy, banking regulations, and loan documentation issues is required Must have excellent interpersonal and communication skills Must be able to verbally communicate effectively one-to-one and in groupsMust be able to write clearly and effectively Must be able to develop and maintain cohesive, cooperative working relationship with co-workers Must have good personal organization and time management skills Must understand and work effectively within the credit culture of the company Must allocate time effectively and independently prioritize workload to meet timelinesGood mathematics, reading comprehension and writing skills Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and

seminars/conferences,

etc. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Support Corporate Bankers in managing existing and developing new client relationships Assist the team in qualifying new loan requests with early-stage due diligence activities Assist in the underwriting process for new clients (analytics, valuation models, industry research) Lead the underwriting of existing client renewals, loan modifications and periodic credit reviewsPrepare credit approval memos and related documents for use in the credit approval process Assist in monitoring individual client accounts to include loan covenant validation, trend analysis Assist in training and coaching new underwriters and new team members Continue to grow in understanding complex transactions and related risk (credit, market, operations, legal/compliance, etc.)Special projects as needed Education and Experience: Bachelor’s degree in Business, Finance, Accounting, or related field Minimum of two (2) years of credit and underwriting experience, preferably in Middle Market Ability to respond to common inquiries from internal clients, regulatory agencies, and employees Advanced knowledge of related state/federal banking compliance regulations, and other Bank operational policiesIntermediate skills in computer terminal and personal computer operation, including use of word, excel, and office Advanced math skills Effective verbal, written and interpersonal communication skills Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.Effective organizational and time management skills

Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.

Direct Reports: None

Travel: Some travel between Third Coast Bank offices may be required.