Credit Underwriting Manager

Fort Worth, TX

Reports to: SVP, Senior Credit Officer
FLSA: Exempt

The Credit Underwriting Manager position is responsible for the management, training, and mentorship of the Bank’s centralized underwriting team which handle C&I, CRE, and consumer underwriting. The manager’s responsibilities include direct oversight of staff, procedures, conforming to lending policies, overall credit appetite standards, and credit quality. This is a working manager position; with the expectation this individual will underwrite loans alongside the team as loan volume and staffing needs dictate.

Essential Functions

(Majority of duties, but not meant to be all inclusive nor prevent other duties from being assigned as necessary)

Functional: Administration:

Responsible for the day-to-day supervision of assigned staff including, but not limited to, interviewing, hiring, training, assigning and directing work, coaching and counseling, and performance reviews.
Works closely with lending officers and management, establishing positive working relationships with other departments and the goal of continuously improving the overall loan approval and delivery process for the bank’s customers.
Ensures staff and processes are optimized for the timely decisioning of loan requests submitted to the centralized underwriting groups, meeting turnaround time goal expectations.
Monitors credit quality and performance of the consumer and small business loan portfolios through the use of reporting tools and metrics to provide early warnings of possible deterioration. Interprets trends from data and reporting tools to adjust underwriting criteria, guidelines, and underwriter judgment when appropriate.
Reviews and assists with initial assessments prepared by Credit Analysts to ensure proper analysis of primary and secondary repayment source along with identification of strengths and weaknesses as pertaining to borrower’s historical operating performance.
Attends Loan Committee to be available to answer questions regarding credit analysis as necessary; may assist with presenting the loan request to the committee.
Participates in customer meetings as requested by officers (may require travel at times).

 Maintains accurate file organization and retention to increase efficiencies.
 Administers the online board portal software including recording votes and producing and distributing approved memos.
 Administer the appraisal process bank wide, including ordering, review, compliance, and maintenance of the Bank’s Approved Appraiser List.
 Administer the environmental assessment policy bank wide, including the order and review of environmental reports.

Maintains accurate file organization and retention to increase efficiencies.
Administers the online board portal software including recording votes and producing and distributing approved memos.
Administer the appraisal process bank wide, including ordering, review, compliance, and maintenance of the Bank’s Approved Appraiser List.
Administer the environmental assessment policy bank wide, including the order and review of environmental reports.

Knowledge, Skills & Abilities

(Minimum education, experience, technical and communication skill levels and licenses/certificates normally required to perform the duties of this position.)

3+ years prior management/supervisory experience required.
5+ years prior credit underwriting experience required.
Ability to guide and coach experienced underwriters on larger and more complex credits within the underwriting team
Bachelor's degree, preferably in Accounting, Finance or Business related degree
Knowledge of and experience with most types of real estate asset classes, transactions, and documentation.
Well-developed skills in the use of proprietary or non-proprietary analytical software supported by expert level skills in the use of Microsoft Excel.
Superior written and verbal communication skills.
Possess strong delegation skills assuring a highly cross-trained staff.
Embraces a culture of continuous process improvement and supports the Bank’s professional practice and quality control standards.
Excellent organizational and time management skills, with the ability to provide leadership, supervision and training employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.

Working Conditions

(Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position.)

Internal – Work is normally performed in climate-controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of job duties.

External –Occasionally work will include driving for site visits, inspections or meeting, with exposure to traffic, outside atmospheric conditions, heat/cold, or moisture.

Physical Demands

(The physical effort generally associated with this position)

Work involves standing and walking for brief periods of time, but most duties are performed from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen. Deadlines, workloads during peak periods and pressure may cause increased stress levels. Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files, documents, and computer printouts. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at an advanced skill level.

Working Relationships / Contacts

(Positions, other than supervisor and immediate co-workers, with which incumbent has frequent contact and the reason for contact.)

Internal – Any other bank employees, as necessary to fulfill job requirements.

External – Frequent contact with borrowers, auditors, regulators, and third-party vendors.

Supervision of Others – Supervises a group of analysts known as the Central Credit Group.

APPLY