Commercial Credit Underwriter
Hybrid · Houston, Texas, United States
Job Summary
Commercial Credit Underwriter for Cornerstone Capital Bank focusing on underwriting community, middle-market, and corporate C&I and CRE credit opportunities. Responsibilities include analyzing financial statements, tax returns, cash flow, collateral, guarantor support, and industry trends; preparing underwriting summaries and credit presentations; collaborating with Relationship Managers to design credit solutions; conducting annual credit reviews and covenant monitoring; ensuring compliance with internal policy and regulatory guidance; supporting loan committee presentations; mentoring junior underwriters; and staying current with lending products and banking regulations. Requires experience in CRE, C&I underwriting, and a bachelor’s degree in a related field; remote/office flexibility with hybrid work options.
Required Qualifications
- Three or more years of experience in commercial credit underwriting in a banking/financial services environment
- Experience underwriting CRE (Commercial Real Estate), C&I (Commercial & Industrial) borrower relationships across industries and transaction types
- Bachelor’s degree in Finance, Accounting, Business Administration, or related field (relevant graduate coursework/certifications considered a plus)
- Completion of a formal commercial credit training program (preferred)
- Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and deadlines
- Excellent interpersonal, verbal, and written communication skills to interact with team members, management, committees, and clients
- Ability to work effectively in a remote or office environment with occasional travel
Additional Requirements
- none specified
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