Current jobs related to Underwriter Iii - Humble - THIRD COAST BANK

**Position Summary**:
The Underwriter III is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; is responsible for writing loan requests; promotes business for the Bank by maintaining good customer relations with existing and potential borrowers.

**Essential Functions**:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Insure loan packages are complete according to bank policy.
- Input and analyze financial statements, tax returns, and credit bureaus
- Determine business and global cash flow of commercial borrowers, and individual cash flow of consumer borrowers.
- Establish and track loan reporting covenants for compliance, as well as imaging various types of financial statements required by said covenants.
- Perform analysis on diverse types of collateral.
- Assist lenders in determining appropriate loan structures.
- Partner with lenders in completing credit memorandums for various requests.
- Collaborate with lenders and senior credit officers to complete annual reviews on large borrowers.
- Assist Chief Credit Officer with regulatory compliance.
- Various other duties and projects as assigned.
- Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
- Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.
- Performs all other duties as assigned.

**Supervisory Responsibility**:
This position has no supervisory responsibilities.

**Position Type**:
This is a full-time, non-exempt position.

**Work Environment**:
This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers.

**Physical Demands**:
This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

**Mental Demands**:
The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.

**Education and Experience**:

- Bachelor’s degree from an accredited 4 year college or university; and more than or equal to 3-5 years of credit analyst experience in a financial institution. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related, with emphasis on finance, economics, or accounting.
- Intermediate experience, knowledge and training in credit analyst activities and terminology.
- Basic knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
- Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
- Intermediate skills in computer terminal and personal computer operation, with advanced use of Excel.
- Advanced math skills, including time value of money calculations.
- Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
- Effective organizational and time management skills.
- Ability to work independently.
- Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.