Analyst underwriting

Ciera Bank has been serving Texas communities since 1890 and now operates 8 locations. This full-time position is based in Fort Worth.

About the role

This position is primarily responsible for performing analysis used in underwriting commercial loans. We provide training, support, and opportunities for career advancement.

Responsibilities

• Spread and analyze credit data, tax returns, and financial statements to determine the degree of risk involved in renewing, modifying, or extending loans.
• Generate financial ratios and trend analyses using bank systems to evaluate customers' financial status and repayment ability.
• Perform market research using industry data to assess potential factors affecting customers' ability to repay.
• Prepare memos including credit analysis and loan request summaries, submitting them to loan committees for timely approval.
• Interact with loan officers, appraisers, and other third parties to facilitate credit extension and perform due diligence.
• Review third-party reports for due diligence on valuation, environmental hazards, or construction risk.
• Prepare internal evaluations of real estate properties.
• Track and update the bank’s loan workflow system as loans progress through underwriting.
• Maintain accurate file organization and retention to improve efficiency.

Requirements

• Undergraduate degree in finance, accounting, real estate, or a business-related field required.
• Related coursework or professional experience in financial, accounting, or business fields is a plus.
• Advanced analytical, written, oral, and interpersonal skills with the ability to prepare and deliver presentations.
• Advanced computer skills, including proficiency in Microsoft Word and Excel.
• In-depth knowledge of accounting principles and the ability to prepare and analyze financial statements.
• Ability to articulate the strengths, weaknesses, and issues related to a transaction in both written and oral presentations.
• Ability to multitask, work under pressure, and meet exacting deadlines.
• Basic knowledge of real estate fundamentals.

Benefits

• Competitive medical, dental, and vision insurance.
• Flexible Spending Account.
• 401(k) or ROTH with company match.
• Employer-paid life, disability, and dependent life insurance.
• PTO benefits with paid holidays.
• Incentive award/bonus program.
• Monthly gym allowance.
• Tuition reimbursement program.
• Continuing education, training, and development opportunities.
• Free checking and savings accounts.
• Annual company apparel allowance.

Physical demands

• Work involves standing and walking for brief periods, though most duties are performed seated.
• Potential for eyestrain from reading detailed printouts and computer screens.
• Deadlines and peak workloads may cause increased stress levels.
• Occasional pushing, pulling, or carrying of objects up to 20 pounds, such as files or documents.
• Work requires advanced finger dexterity and eye-hand coordination for computer keyboard use.

Working relationships

• Internal: Collaboration with other bank employees as needed to fulfill job requirements.
• External: Contact with borrowers, auditors, regulators, appraisers, and environmental professionals.

No direct supervision of others is required for this role.