Credit Underwriter III

Sunflower Bank, N.A. is a full-service financial institution committed to serving our communities and supporting our team members. We are looking for an energetic, highly motivated individual to fill the full-time position of Credit Underwriter III in the Los Angeles, CA area. Salary range: $160,000 to $175,000 depending on knowledge, skills, abilities, experience, and location. Responsibilities Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. 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 in regards to the sufficiency of cash flow, collateral and other repayment sources. 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 as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Exercise independent judgement on client relationship credit analysis and take appropriate resulting action. Participate in departmental or company-wide projects. Seek 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 more 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, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company. Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines. Understand and participate in the Bank’s Community Reinvestment Act program. Perform other duties as assigned. Education / Experience Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field; in lieu of a degree, a high school diploma or equivalent and a minimum of 10+ years in the discipline. 7-10+ years of experience in credit analysis/credit underwriting in a commercial lending environment. Proficiency in commercial lending areas such as 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. Ability to think critically and communicate results concisely and clearly, both verbally and in writing. Ability to multi-task, prioritize, and meet deadlines. Ability to work collaboratively and represent own opinion. Commitment to stay educated and informed on industry trends, market conditions and regulatory requirements and to develop professionally. Bondable. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may sit or stand for extended periods, use hands to operate computers, reach for work‑related tasks, walk, bend, stoop, kneel, or climb. Lifting or moving items weighing up to 10 pounds is occasional. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. 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 Plus many more associate perks & incentives If you qualify, apply online at Open until filled; early application encouraged. EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. #J-18808-Ljbffr Sunflower Bank, N.A.