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Credit Underwriter II
Prosperity BankCredit Underwriter providing critical support in loan applications and ensuring compliance. Analyzing credit reports and managing funding presentations for Prosperity Bank’s partners.
Tech Stack
Tools & technologiesSFDC
About the role
Key responsibilities & impact- 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
What you’ll need- 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
Comp & perks- Prosperity Bank is an Equal Opportunity Employer.
ATS Keywords
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Hard Skills & Tools
Credit Report AnalysisCommercial UnderwritingData EntryDocumentation ManagementFinancial Analysis
Soft Skills
Strong Verbal CommunicationStrong Written CommunicationProfessionalismPositive AttitudeAbility to Multi-task