[Hiring] Commercial Credit Underwriter @Cornerstone Home Lending

Role Description

We are seeking an experienced Commercial Credit Underwriter for our growing lending team!

Cornerstone Capital Bank provides middle-market and community bank commercial lending in the major urban markets of Texas and in the areas around Bastrop, Sweetwater, Roscoe, and Lubbock Texas.

The ideal credit professional will have completed a credit training program and have experience in underwriting complex commercial credit relationships and providing advanced financial and risk analysis to support sound lending decisions. The Credit Underwriter role works closely with relationship managers and credit officers to:

• Evaluate borrowing opportunities
• Analyze financial statements
• Identify and mitigate credit risks
• Structure appropriate loan terms

Qualifications

• Three or more years of experience in commercial credit underwriting, financial analysis, and loan structuring within a banking or financial services environment.
• Experience underwriting Commercial Real Estate (CRE), Commercial & Industrial (C&I), and other commercial borrower relationships across a variety of industries and transaction types.
• Completion of a formal commercial credit training program preferred.
• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field generally required; relevant graduate coursework, certifications, or advanced degrees are considered a plus.
• Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and deadlines in a fast-paced environment.
• Excellent interpersonal, verbal, and written communication skills with the ability to effectively interact with team members, management, internal committees, and clients.
• Ability to independently identify issues, assess risk, and develop practical solutions and recommendations.
• Proficiency in Microsoft Office products, including Teams, Word, Excel, and PowerPoint; experience with Salesforce, nCino, or similar banking platforms preferred.
• Ability to work effectively in either a remote or office environment, with occasional travel required based on business needs.

Requirements

• Underwrite community, middle market, and corporate C&I and CRE credit opportunities, including agriculture, private banking, lender finance, and syndicated credit opportunities.
• Analyze and assess all available credit and financial information, including financial statements, tax returns, cash flow, collateral, guarantor support, and industry trends.
• Prepare detailed underwriting summaries, conduct industry research, identify key risks and mitigating factors, and develop credit presentations to support lending recommendations.
• Collaborate with Relationship Managers and other internal partners to assess client needs and design effective credit solutions.
• Complete annual credit reviews for assigned commercial relationships, including comprehensive financial analysis and risk rating recommendations.
• Perform ongoing covenant compliance monitoring and testing for commercial loan relationships.
• Participate in customer and prospect discussions as needed to support transaction structuring and relationship management.
• Ensure underwriting and portfolio management activities comply with internal credit policy and regulatory guidance.
• Stay abreast of the latest financial and banking product knowledge and relevant regulations.
• Support loan committee presentations and assist senior leadership with portfolio reporting and risk management initiatives.
• Mentor junior underwriters while contributing to departmental process improvements and overall credit quality standards.

Benefits

• Competitive salary
• Medical, Dental, and Vision insurance
• Accidental Death and Long-Term Disability insurance
• Short-Term Disability insurance
• Flexible Spending Account (FSA) and Health Savings Account (HSA)
• 401K plan
• Basic Life and Voluntary Life insurance
• Paid Parental Leave
• Performance-based bonus based on position and department