Commercial Credit Underwriter (TX, NC, SC ONLY)

Commercial Credit Underwriter (TX, NC, SC ONLY)

Optional Work from Home • Farm Bureau Bank-TX Headquarters - San Antonio, TX 78232

Overview

Salary Range $73,000.00 - $80,000.00 Salary Position Type Full Time Job Shift Day Education Level 4 Year Degree Travel Percentage Up to 25% Category Banking

Description

The Farm Bureau Bank team is rooted in service, strong relationships, and meaningful results. We offer financial services that support hardworking individuals who recognize the vital role of farming, ranching, and agriculture across the United States. Beyond traditional banking, we cultivate lasting partnerships, nurture growth, and aim to support rural communities that are often underserved by the banking industry.

Farm Bureau Bank. Not just branches. Roots.

FBB team members enjoy competitive compensation and generous benefits.

• Affordable Medical, Dental and Vision coverage
• Outstanding 401k – Employer match up to 5%
• Paid Volunteer Hours
• Accrued Paid Time Off (PTO) & Paid Holidays
• Life Insurance and Long-Term Disability (company paid)
• Continuing Education Opportunities
• View all available benefit options at Farmbureau.bank.

Currently hiring in Austin/San Antonio, Texas, North Carolina, or South Carolina ONLY.

The Commercial Credit Underwriter is responsible for underwriting and analyzing commercial credit requests to support sound lending decisions and portfolio quality. This role evaluates borrower financial strength, cash flow, collateral, and credit risk for a broad range of commercial relationships—including Commercial & Industrial (C&I) and Commercial Real Estate (CRE) transactions—in accordance with Bank policy and regulatory requirements.

The Underwriter works closely with Relationship Managers, Commercial Bankers, Commercial Credit Supervisor and the Senior Credit Officer to structure credit requests, identify risks, and recommend appropriate mitigants, while supporting strong customer relationships and consistent credit standards.

What you'll get to do:

• Analyze commercial credit requests, including new loans, renewals, modifications, and annual reviews.
• Evaluate borrower financial statements, tax returns, cash flow, collateral, and guarantor support.
• Identify key credit risks and recommend appropriate risk mitigants and loan structures.
• Prepare clear, well-supported credit memorandums with approval recommendations.
• Assign and support accurate internal risk ratings.
• Ensure compliance with Bank credit policy and regulatory standards.
• Collaborate with Relationship Managers, Commercial Bankers, Commercial Underwriter Supervisor and Senior Credit Officers to structure transactions and resolve credit questions.
• Manage assigned underwriting pipeline to meet service-level expectations.
• Limited travel may be required (up to 20%).
• Perform other related duties as assigned.

Educations and Experience:

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• 3–7 years of commercial credit underwriting experience
• Experience underwriting C&I and/or CRE loans.
• Strong working knowledge of financial statement and cash-flow analysis
• Familiarity with credit platforms such as Moody's Analytics, Sageworks, and/or nCino preferred.
• Solid understanding of credit risk management principles and regulatory expectations
• Knowledge of credit, financial analysis, structuring, underwriting, portfolio management and analytical skills, including financial accounting, modeling, and loan structuring.

EEO Commitment

Farm Bureau Bank is an equal opportunity/affirmative action employer and complies with all applicable federal, state, and local fair employment practices laws. Farm Bureau Bank strictly prohibits and does not tolerate discrimination against team members, applicants, or any other covered persons because of race, color, religion or creed, national origin or ancestry, sex (including gender, pregnancy, sexual orientation, and gender identity) age, physical or mental disability, citizenship, veteran status, or genetic information, or any other characteristic protected by applicable federal, state, or local law. All team members and anyone doing business with the Bank (including vendors, clients, and visitors) are prohibited from engaging in unlawful discrimination. This applies to all employment actions, including but not limited to, recruitment, hiring, training, promotion, discipline, compensation, benefits, and termination of employment.