Commercial Loan Underwriter - Fort Worth

Texas Business Lenders Group, based in Fort Worth, is a Credit Union Service Organization serving the Member Business Lending functions for multiple credit unions primarily in Texas, including EECU. We provide underwriting, credit analysis, loan documentation, and servicing for commercial loans.

About the role

This full-time position performs thorough analysis of credit union commercial business loan requests and periodic reviews of existing loans. The portfolio consists primarily of loans secured by commercial real estate of various property types, with a secondary focus on Commercial & Industrial (C&I) lending.

Responsibilities

• Analyze and underwrite commercial loan requests and supplemental financial information from credit union clients.
• Prepare Credit Approval Packages for approval submission, detailing analysis of submitted loan requests for Capacity, Capital, Character, Collateral, Condition, and other relevant risk factors.
• Ensure loan requests comply with lending policy and product specifications or propose counteroffers when appropriate.
• Communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union while upholding fair lending practices.
• Meet targets for productivity, quality, and customer satisfaction.
• Conduct periodic reviews of existing loans to update payment history, financial performance, and assess risk factors affecting repayment ability.
• Handle special projects related to loan portfolio monitoring and reporting as needed.
• Maintain compliance with all Federal and State rules and regulations, including Bank Secrecy Act, Anti-Money Laundering, NCUA Privacy Regulations, and others.
• Attend initial and ongoing annual Bank Secrecy Act training.

Requirements

• Bachelor’s degree in finance, accounting, business, or a related field (preferred).
• Minimum three years of experience in the commercial lending industry with experience in underwriting, processing, and/or servicing commercial loans.
• Experience analyzing tax returns, financial statements, credit reports, and other financial information from individuals and various entity types.
• Formal training or working knowledge of real estate third-party reports, including appraisals, Physical Condition Assessments, and Phase I & II Environmental Site Assessments.
• Excellent financial analysis skills and ability to adapt to the specific requirements of the credit union industry.
• Strong written communication skills.
• Proficiency with software applications, including advanced Excel skills and experience in financial analysis, forecasting, and modeling.
• Experience or training in loan participations, secondary market, and/or SBA lending (helpful but not required).
• Good credit history (applicants will be evaluated in compliance with applicable laws).
• Must pass a background check, including employment, criminal, and drug screening if offered the position.

Schedule

Typically Monday–Friday.