• Underwriting Specialist I

    Job ID
    Denver Downtown
    1331 17th St
    # of Openings
    City, State
  • Overview



    Established, respected, and growing in Texas and Colorado.


    Building thriving relationships and leading with a courageous heart.


    Generous 401 (k) plan, paid time off, health benefits, employee programs, and a satisfying work-life balance.


    Financial stability providing competitive salaries, internal growth opportunities, and a business strategy of continuous growth.


    Volunteering and making a lasting impact, building strong, healthy communities.



    Provides overall credit underwriting related to borrowing relationships.


    • Demonstrates core values and guiding principles as outlined in the Bank’s identity statement.
    • Ensures that all activities and work functions comply with compliance requirements as defined in company policies and procedures and state/federal laws and regulations.
    • Collaborates with Banker on appropriate structuring of credit.
    • Provides credit analysis consistent with published content expectations including but not limited to the following: borrowing purpose; borrowing structure; management ability; economic/market conditions; industry analysis/trends; financial condition; management projections; cash flow (management, base case and downside scenarios); collateral; guarantor/recourse; strengths and weaknesses/mitigants; and risk rating rationale.
    • Helps with vetting new requests, including assisting with preflight memorandums for new loan transactions, along with preparing credit presentations, and other reporting/memoranda as directed.
    • Prepares and completes credit renewals and annual reviews for line of business.
    • Interacts with Bankers, branch/market/regional presidents and credit approval authorities.
    • Actively provides mentoring and/or training to more junior analysts within the underwriting group.
    • Ensures bank’s credit risk is routinely and proactively managed.
    • Participates in prospect and/or client relationship meetings, as needed.
    • Routinely attends banker meetings and fully engages in on-going credit training.
    • Balanced focus on the quantity of credits underwritten relative to increasingly more complex underwritings in timeframes noted in service level agreement (“SLA”) expectations, holding themselves accountable to qualitative and quantitative criteria.
    • Supports departmental and company-wide initiatives, including the “one and done” credit approval process.
    • Performs other duties as assigned.


    Required Qualifications

    • Four year college degree or equivalent
    • 3-10+ years commercial bank credit underwriting/portfolio management experience (see leveling guide)
    • Ability to build personal credibility with credit approval authorities
    • Possess significant accounting and finance knowledge
    • Excellent analytical and problem solving skills
    • Demonstrated ability to critically think, formulate and support credit decisions, and logically defend positions
    • Demonstrated ability to negotiate on behalf of the Bank and the borrower while appropriately balancing risk and shareholder value
    • Ability to work and lead in a team environment and demonstrate flexibility as business dictate
    • Proven ability to communicate verbally and in-writing with internal/external constituents
    • Ability and willingness to investigate, resolve and recommend process improvement opportunities
    • Knowledge and understanding of bank rules and regulations, BSA, KYC, CRA, compliance
    • Knowledge of overall bank products and services

    Preferred Qualifications:

    • Advanced college degree
    • Formal C& I credit underwriting training
    • Advanced knowledge of loan documentation on complex credits.
    • Banking/Finance certifications through ABA, Center for Financial Training, Omega Training and/or equivalent


    Independent Bank is a host to diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team.

    To be considered for this position, you must at least meet the basic qualifications.


    No phone calls or direct e-mails please.


    Pre-employment background screening will be conducted.

    Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.

    Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777



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