Credit Underwriter II

About the Role

The Credit Underwriter II at Prosperity Bank plays a pivotal role in the Credit and Underwriting team by managing credit applications and ensuring thorough evaluation and analysis. This position involves reviewing credit reports, assembling comprehensive credit packages for syndication to third-party funding partners, and maintaining strong communication with internal departments to support loan funding processes. The role demands excellent administrative skills, analytical capabilities, and a customer-service-focused approach within a dynamic office setting.

Key Responsibilities

• Carefully review credit reports and prepare detailed credit submission packets that satisfy funding partners' approval criteria.
• Analyze credit data rigorously to identify approval or denial factors from funding sources.
• Proactively work to resolve denial causes on credit reports and gather necessary documentation from clients to clear credit stipulations or pre-funding conditions before presenting to funders.
• Manage communication related to credit application status with internal teams, including sales and funding departments, ensuring clarity and positivity.
• Make informed decisions on applications from internal and dealer channels, focusing on quick turnaround, accuracy, and volume.
• Exercise sound judgment in detecting potential risks or alerts in credit reports that may lead to denial.
• Comply with company policies and escalate compliance issues to Credit Management when necessary.
• Record all credit decisions accurately in the Salesforce.com system.
• Coordinate with Funding Sources and Account Managers to confirm receipt of all required documents prior to funding.
• Support additional administrative functions such as data entry and managing the CRM database as assigned.

Candidate Requirements

• Preferably hold a Bachelor’s degree in finance, accounting, or a related discipline.
• At least two years of professional experience in the finance sector.
• Experience with syndication partnerships is advantageous.
• Background as a loan processor, credit analyst, or similar role within finance to handle loan documentation is highly preferred.
• Experience with credit or commercial underwriting is considered a plus.
• Self-motivated with strong organizational skills to manage daily responsibilities independently.
• Excellent verbal and written communication capabilities.
• Ability to professionally engage with customers, vendors, lenders, and management.
• Demonstrates a positive mindset, thrives under pressure, and maintains high professionalism.
• Detail-oriented and capable of managing multiple tasks simultaneously.
• Proficient in Microsoft Office applications (Word, Excel, Outlook).
• Familiarity with CRM software, preferably Salesforce.

Physical and Mental Requirements

• Engages in frequent verbal communication conveying detailed information clearly and efficiently.
• Normal hearing ability for routine conversations and comprehension.
• Regular use of wrist, hand, and finger movements for repetitive tasks.
• Standard visual acuity needed for document review and inspection.
• Primarily sedentary work with occasional lifting up to 25 pounds, typical of office roles.
• Must be able to interpret diverse instructions and manage variables with limited guidelines.
• Basic math skills including calculations related to discount, interest, profit and loss, and simple algebra.
• Strong reading, writing, and language skills for preparing professional memos, reports, and communicating clearly.

Additional Information

The working schedule is Monday through Friday, from 8:00 AM to 5:00 PM, totaling 40 hours per week. This position does not include supervisory duties. Prosperity Bank is an Equal Opportunity Employer and encourages external applicants to apply through the official career center. Internal applicants should apply via the internal career portal.