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Credit Underwriter

5 months ago

Houston, United States Wallis State Bank Full time

**Summary**:
**DUTIES AND RESPONSIBILITIES**:
Core duties and responsibilities include the following. Other duties may be assigned.

Underwriting:

- Consults with Loan Officer and prospects / client to validate new / renewal loan request.
- Organizes documentation for credit analysis and approval.
- Pre-Qualifies the credit request (preliminary) or escalate to Supervisor
- Originates the credit package with appropriate commentary, financial analysis, and recommendations while ensuring compliance to regulations, policies and internal procedures.
- Loan Structure
- Amortization
- Loan to Value Requirements
- Interest rate / Fees
- Evaluates credit worthiness by analyzing:

- Financial Statements and Tax Returns
- Historical
- Projections
- Peer Group Comparison
- Feasibility / Competition
- Management quality and experience in credit memo (CAIVRS, SAM, OFAC)
- Guarantor Support (PFS, CB, PCF, TR)
- Global Cash Flow; Affiliate Supports or Weakens project

Post Approval Work:

- Ensures accurate (compliant) completion of:

- Commitment Letter
- Formal SBA Loan Application
- Prepares SBA Authorization (SBA Wizard)
- Pulls PLP or ETRAN score (as appropriate)
- Manages Servicing Communication in compliance with their requirements

Administrative Duties:

- Updates various work logs
- Attends Meetings as required
- Follows up / tasks after meetings
- Assists "Closers" in gathering necessary documents required for closing but not required for "underwriting".
- Accurate Scanning / Filing
- Compliance with Shared Drive filing and naming conventions

Ongoing Education & Training:

- Assists loan underwriting supervisors with new hires by acting as a "mentor"
- Attends training sessions as appropriate.
- Completes all bank required training

Volunteer Activity:

- Volunteers for Bank approved functions as determined by bank management

**SUPERVISORY RESPONSIBILITIES**:
This job has no supervisory responsibilities

**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.
- Bachelor's Degree (BA) from four-year college or university, or one to two years of related experience and/or training, or equivalent combination of education and experience.
- Computer skills required: Microsoft Office Suite
- Other skills required:

- Required to clock in and out; log off of workstations where applicable.
- Requested from time to time to mentor co-workers.

**Experience**:

- Commercial Underwriting: 1 year (required)

Ability to Relocate:

- Ste 300 Houston, TX 77043: Relocate before starting work (required)

Work Location: In person