Location: This position is on-site at either our Bee Cave, Dallas, or Galleria office.
Position Summary:
The Underwriter I is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in 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.Perform analysis on diverse types of collateral.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. 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.3.0 or higher GPA with minimum of 9 hours of accountingIntermediate 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.Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.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. Read LessLocation: This position is on-site at either our Bee Cave, Dallas, or Galleria office.
Position Summary:
The Underwriter I is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in 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.Perform analysis on diverse types of collateral.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. 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.3.0 or higher GPA with minimum of 9 hours of accountingIntermediate 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.Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.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. Read LessPosition Title: Senior Credit Portfolio Manager
Line of Business: Credit Operations Services
Home Department: Credit Portfolio & Relationship Management
Reports To: Regional Credit Officer
FLSA Status: Exempt
Position Summary:
Responsible for managing larger and most complex middle market and corporate credits. Ensures the portfolio achieves soundness, profitability, and growth objectives. Provides credit and sales support to Corporate Banking.
Essential Duties & Responsibilities:
Reasonable accommodation 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 Corporate Banking team in deal qualification assessment, due diligence, and loan structuringUnderstand complex transactions and related risk (credit, market, operations, legal/compliance, etc.) Lead the underwriting of complex deal structures through the credit approval processPartner with team in reviewing and negotiating loan documents and engaging counsel as neededConduct portfolio reviews and continuous portfolio monitoring for assigned portfolioProvide training and coaching of portfolio managers and underwritersCoordinate with internal partners & internal discussions (credit discussions, screens, etc.)Special projects as neededPerforms all other duties as assigned.Supervisory Responsibility:
This position has no supervisory responsibilities.
Job Type:
This is a full-time exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.
Travel:
No travel is expected for this position.
Working Conditions & Physical Requirements:
This position operates in a professional office environment. This position requires regular sitting, walking, standing, lifting (up to 50 pounds), reading, seeing (including color, peripheral vision, depth perception, and adjusted focus), speaking, hearing, listening, organizing, interpreting data and information, operating office equipment, typing using a computer keyboard and mouse, viewing a computer screen monitor, and use of a telephone. The working environment consists of an indoor and climate-controlled setting most of the time.
Education, Experience & Other Qualifications:
10 Years of experience in Portfolio Management or similar position requiredBachelor's degree in finance, business or related field preferredAbility to respond to common inquiries from internal clients, regulatory agencies, and employeesAdvanced knowledge of related state and federal banking compliance regulations, and other Bank operational policies Intermediate skills in computer terminal and personal computer operation, including use of word, excel, and officeAdvanced math skillsEffective 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 skillsCore Knowledge, Skills, & Abilities:
Analytical Thinking & Problem Solving – Works well under pressure and deadlines with complex issues. Applies analysis to data and compliance requirements, identifying trends, addressing potential risks, and providing actionable insights to support strategic initiatives.
Attention to Detail – Maintains a high level of accuracy, ensuring all records, reports, and metrics are precise and compliant with regulatory standards.
Risk Assessment & Management – Evaluates situations to assess risk, applying appropriate policies, procedures, and judgment to anticipate and mitigate potential issues in alignment with the bank’s risk tolerance and regulatory compliance requirements.
Relationship Building, Collaboration & Communication – Works effectively with internal and external customers, across teams and departments, communicating information clearly and building partnerships to meet shared goals.
Team Member Acknowledgement:
My signature below acknowledges that I have received and read my job description, and that I understand the scope, essential job duties, knowledge, skills, and abilities, working environment and physical requirements that apply to my job. I further acknowledge that I can safely and effectively perform the essential job duties, with or without reasonable accommodation, and in accordance with the policies, procedures, expectations, and standards of the company.
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