Credit Underwriter II

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Prosperity Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1983

🏦 Banking

💸 Finance

Banking • Finance

Prosperity Bank is a regional commercial bank that provides a full range of personal and business banking services. It offers checking and savings accounts, certificates of deposit, consumer and commercial loans (including mortgages, home equity, auto, SBA and commercial lending), business treasury and merchant services, and wealth and trust management. The bank emphasizes digital banking (online/mobile apps, mobile deposit, Zelle, card controls) and operates a network of branches and ATMs with FDIC insurance and financial resources for individuals and businesses.

📋 Description

• Review credit reports and prepare credit submission packets which have been thoroughly vetted and analyzed to meet the approval requirements of our funding partners. • High level analyzing of Credit Reports to determine credit factors which could lead to an approval or denial by our funding sources. • Work to eliminate denial factors on credit reports and identify documentation needed from our clients which could clear credit stipulations / prefunding conditions, before presenting a transaction to our funding sources. • Respond to inquiries regarding the status of a credit application or transaction and deliver clear and positive communication to internal departments (sales and funding). • Make decisions on applications submitted through internal and dealer relationships while placing a strong emphasis on response time, attention to details and the quantity of applications processed. • Exercise sound judgment when reviewing details and potential alerts and/or risks associated with credit reports that may lead to a credit denial. • Adhere to company policies and procedures and escalate any matters non-compliant to Credit Management. • Logically document all credit decisions in the Salesforce.com database. • Follow up with Funding Sources or Account Managers to ensure items needed are received prior to funding. • Assist with other administrative duties, including data entry and CRM database management as assigned by the Credit team.

🎯 Requirements

• Bachelor’s degree in finance, accounting, or a related field preferred. • Minimum of 2 years of experience in the finance industry. • Experience with Syndication Partnerships, a plus. • Experience working as a loan processor, credit analyst or working in the finance industry to process loan packets is highly desirable. • Experience in Credit or commercial underwriting a plus. • Self-starter with ability to proactively manage daily responsibilities for assigned tasks. • Strong verbal and written skills required. • Ability to interact with customers, vendors, lenders, and management in a professional manner. • Positive attitude, ability to work well under pressure, and a high degree of professionalism. • Must be able to multi-task responsibilities with high attention to detail. • Microsoft Office (Word, Excel, and Outlook). • Familiar with CRM systems and practices, Salesforce CRM preferred.

🏖️ Benefits

• Prosperity Bank is an Equal Opportunity Employer.