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About the Role
Susser Bank is seeking a seasoned Senior Underwriter with expertise in C&I and CRE lending for a high-impact role on a collaborative credit team. This position involves independently underwriting complex middle-market credits, carrying a deal load, and mentoring junior team members.
Responsibilities
- Independently underwrite new and existing C&I and CRE credits/relationships ranging from $3 million – $50+ million.
- Perform full financial analysis and global cash flow on borrowers, sponsors, and guarantors.
- Conduct in-depth CRE analysis including property cash flow, valuation review, lease review, environmental reports, market studies, and construction budgets/draw schedules.
- Assess industry risk, management quality, collateral adequacy, repayment capacity, and assign accurate dual risk ratings.
- Prepare comprehensive credit approval memoranda that clearly identify risks, mitigants, policy exceptions, and recommended structure/covenants.
- Present credits in formal credit committee and defend recommendations.
- Partner closely with commercial relationship managers to structure credits that win business while protecting the bank.
- Actively manage an assigned portfolio segment: conduct annual reviews, interim monitoring, borrowing-base oversight, covenant testing, and financial/trending analysis.
- Ensure timely and accurate assignment and ongoing validation of risk ratings; proactively identify migration and recommend rating adjustments.
- Actively mentor, train, and develop junior underwriters and credit analysts.
- Contribute to ongoing refinement of credit policy, underwriting standards, concentration monitoring, and portfolio stress testing.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or related field.
- 7–10+ years of progressive commercial banking underwriting experience with significant exposure to both C&I and CRE credits.
- Proven ability to independently underwrite complex C&I and CRE transactions.
- Strong Texas market knowledge across multiple industries and property types.
- Advanced financial spreading and cash-flow modeling skills.
- Formal credit training strongly preferred (RMA Commercial Lending School, Omega, Stonier, or bank equivalent).
- Excellent written and presentation skills with a track record of writing concise, persuasive credit narratives.
Skills
- C&I lending
- CRE lending
- Financial analysis
- Global cash flow analysis
- Financial spreading
- Cash-flow modeling
- Valuation review
- Lease review
- Risk assessment
- Credit rating
- Credit approval memorandum preparation
- Portfolio management
- Mentoring
- Training
- Credit policy refinement
- Underwriting standards
- Concentration monitoring
- Portfolio stress testing
- Prior formal mentoring or team-lead experience
- Experience with participated/syndicated credits
- Experience with agent bank relationships
- Familiarity with Texas regulatory environment
- Familiarity with community bank lending practices
- Intellectual curiosity
- Passion for credit risk management
Location
- Texas
Work Type
- 100% in-office
- Full-time
Experience Level
- Senior
Education Level
- Bachelor's degree
About the Company
- Susser Bank is a rapidly growing, entrepreneurial Texas regional bank.
Equal Opportunity
- Susser Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.
- Susser Bank participates in E-Verify.