Sunflower Bank, N.A.
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of
Credit Underwriter III . The role involves gathering, analyzing, and interpreting financial and credit information to assess the creditworthiness of the company’s commercial customers, focusing on 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.
Responsibilities
Review and analyze financial and credit information, such as financial statements, tax returns, and credit reports to determine creditworthiness for borrowers and guarantors.
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 regarding sufficiency of cash flow, collateral and other repayment sources, and assess overall strengths and weaknesses of credit relationship.
Communicate key analytical findings 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 required by loan documents, ensuring covenant compliance and financial reporting requirements are met.
Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
Participate in departmental or company-wide projects 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 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 the Bank Secrecy Act (BSA), anti-money laundering laws and Office of Foreign Asset Controls (OFAC).
Education & Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field. High school diploma or equivalent is acceptable if applicant has a minimum of 10+ years in this discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment; 5+ years experience in Commercial Real Estate (CRE) preferred.
Strong experience in commercial real estate, commercial and industrial lending, and SBA lending.
Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficient in Microsoft Office Suite.
Strong business math skills.
Excellent critical thinking and communication skills, both verbally and in writing.
Ability to multi-task, prioritize, and meet deadlines.
Team‑oriented with collaboration skills and the ability to represent personal opinions.
Commitment to continuous professional development and awareness of industry trends, market conditions, and regulatory requirements.
Benefits
401(k) Plan with 6% match
Health/Dental/Vision Insurance
Company‑paid Life Insurance
Tuition Reimbursement
Fitness Reimbursement
Paid Time Off
Volunteer Leave
Paid Holidays
Additional employee perks and incentives
Open until filled; early application encouraged.
If you qualify, apply online at www.sunflowerbank.com/careers.
For California residents, you may be entitled to certain rights regarding your personal information. Additional data privacy and location‑specific notices are available on our privacy policy.
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Credit Underwriter III . The role involves gathering, analyzing, and interpreting financial and credit information to assess the creditworthiness of the company’s commercial customers, focusing on 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.
Responsibilities
Review and analyze financial and credit information, such as financial statements, tax returns, and credit reports to determine creditworthiness for borrowers and guarantors.
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 regarding sufficiency of cash flow, collateral and other repayment sources, and assess overall strengths and weaknesses of credit relationship.
Communicate key analytical findings 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 required by loan documents, ensuring covenant compliance and financial reporting requirements are met.
Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.
Participate in departmental or company-wide projects 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 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 the Bank Secrecy Act (BSA), anti-money laundering laws and Office of Foreign Asset Controls (OFAC).
Education & Experience Preferred
Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field. High school diploma or equivalent is acceptable if applicant has a minimum of 10+ years in this discipline.
7+ years of experience in credit analysis/credit underwriting in a commercial lending environment; 5+ years experience in Commercial Real Estate (CRE) preferred.
Strong experience in commercial real estate, commercial and industrial lending, and SBA lending.
Proven ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficient in Microsoft Office Suite.
Strong business math skills.
Excellent critical thinking and communication skills, both verbally and in writing.
Ability to multi-task, prioritize, and meet deadlines.
Team‑oriented with collaboration skills and the ability to represent personal opinions.
Commitment to continuous professional development and awareness of industry trends, market conditions, and regulatory requirements.
Benefits
401(k) Plan with 6% match
Health/Dental/Vision Insurance
Company‑paid Life Insurance
Tuition Reimbursement
Fitness Reimbursement
Paid Time Off
Volunteer Leave
Paid Holidays
Additional employee perks and incentives
Open until filled; early application encouraged.
If you qualify, apply online at www.sunflowerbank.com/careers.
For California residents, you may be entitled to certain rights regarding your personal information. Additional data privacy and location‑specific notices are available on our privacy policy.
#J-18808-Ljbffr