Job Description

It’s about interactions more than transactions.

Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? If so, being a Central Credit Underwriter III with Frost could be for you.

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s over 150-year legacy of providing unparalleled financial services.

Who you are:

As a Central Credit Underwriter III your opinion matters. You will be responsible for approving or declining consumer credit requests with underwriting authority of $750,000 to $1,000,000 or commercial credit requests with underwriting authority of $1,000,000 to $3,000,000. More than that, this role is about building relationships and providing top-quality service and doing so with integrity, caring, and excellence in mind.

What you’ll do:

• Analyze financial data, including balance sheets, income statements, and other financial information to determine the credit worthiness and financial conditions of borrowers
• Ensure appropriate credit documentation and loss mitigation by working closely with sales staff and documentation preparation area
• Provide consistent underwriting and documentation of files to comply with internal and external rules and regulations
• Assist with career development/education of sales staff
• Function as team lead, training and mentoring Underwriter I and Underwriter II; perform supervisory functions in absence of department supervisor
• Assist and support credit supervisor in developing ongoing training requirements; lead team training as requested
• Represent department at internal and external functions
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you’ll need:

• Bachelor’s degree preferably in Business, Finance, Accounting, or Economics, or equivalent experience
• 3+ years of experience in Lending, preferably within underwriting
• Demonstrated experience successfully training and mentoring peers in underwriting processes
• Proven record of success in an underwriting environment
• Ability to underwrite loans using global cash flow models
• Ability to source reasons for positive or negative trends within financial statements
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications

Our Benefits:

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it’s about being part of something bigger. If this sounds like you, we encourage you to apply and see what’s possible at Frost.