Texas Capital Bank
Asset Based Lending Senior Underwriter
Texas Capital Bank, Dallas, Texas, United States, 75201
Brief Overview Of Position
The Asset Based Lending Senior Underwriter role is positioned within Credit Administration and is integral to the success of the line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank. This position will support the Asset Based Lending business within the bank. The Underwriter owns the underwriting process for all credit requests, working closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross-sell opportunities. The ABL Underwriter expected to have the ability to lead a deal from opportunity to close with little to no oversight. This individual will play a critical role in structuring and underwriting complex ABL revolving and term credit facilities. and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business. Responsibilities
Serve as subject matter expert in asset based lending credit policies, procedures, and loan documentation, providing expertise in structuring loans that align with institutional requirements, credit policies, risk management practices. Lead the due diligence process for credit approval, including coordination of field exams, appraisals, and negotiation of legal documentation. Prepare comprehensive, high quality and concise credit approval packages which offer detailed analysis that highlights credit risks, mitigants, and transaction rationale. Perform detailed financial and collateral analysis, including reviewing borrower financial statements, borrowing base calculations, and cash flow projections. Responsible for risk rating assessment, spreading of financial statements and preparation of financial models Partner with Portfolio Manager in credit agreement review and negotiation Ownership of all credit approvals Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks. Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices Assist in identification of cross-sell opportunities Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects Qualifications
Bachelor's degree in Finance, Accounting, Commercial Banking or equivalent/relevant program 8+ years' experience in Asset Based Lending with formal Credit training. Exceptional writing, interpersonal and communication skills Extraordinary levels of motivation and initiative Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations Passion for financial services and delivering superior client experiences Proven leadership skills and community involvement The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy. Texas Capital is an Equal Opportunity Employer.
The Asset Based Lending Senior Underwriter role is positioned within Credit Administration and is integral to the success of the line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank. This position will support the Asset Based Lending business within the bank. The Underwriter owns the underwriting process for all credit requests, working closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross-sell opportunities. The ABL Underwriter expected to have the ability to lead a deal from opportunity to close with little to no oversight. This individual will play a critical role in structuring and underwriting complex ABL revolving and term credit facilities. and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business. Responsibilities
Serve as subject matter expert in asset based lending credit policies, procedures, and loan documentation, providing expertise in structuring loans that align with institutional requirements, credit policies, risk management practices. Lead the due diligence process for credit approval, including coordination of field exams, appraisals, and negotiation of legal documentation. Prepare comprehensive, high quality and concise credit approval packages which offer detailed analysis that highlights credit risks, mitigants, and transaction rationale. Perform detailed financial and collateral analysis, including reviewing borrower financial statements, borrowing base calculations, and cash flow projections. Responsible for risk rating assessment, spreading of financial statements and preparation of financial models Partner with Portfolio Manager in credit agreement review and negotiation Ownership of all credit approvals Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks. Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices Assist in identification of cross-sell opportunities Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects Qualifications
Bachelor's degree in Finance, Accounting, Commercial Banking or equivalent/relevant program 8+ years' experience in Asset Based Lending with formal Credit training. Exceptional writing, interpersonal and communication skills Extraordinary levels of motivation and initiative Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations Passion for financial services and delivering superior client experiences Proven leadership skills and community involvement The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy. Texas Capital is an Equal Opportunity Employer.