Credit Underwriter II

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Prosperity Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1983

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Prosperity Bank is a financial institution that offers a wide range of banking services to both individuals and businesses. It provides various personal and business accounts, loans, credit cards, and wealth management services. With a commitment to customer service and excellence, Prosperity Bank aims to help clients achieve their financial goals and offers a user-friendly online banking experience.

📋 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. • Strong verbal and written skills required. • Microsoft Office (Word, Excel, and Outlook). • Familiar with CRM systems and practices, Salesforce CRM preferred.

🏖️ Benefits

• Health insurance • 401(k) • Paid time off • Professional development