Commercial Credit Underwriter

Who we are:

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is aTexas-basedfinancial services company dedicated to helping families, businesses, and communities thrive. Throughitsprimary subsidiary, Cornerstone Capital Bank, the organizationoperatesa community and business banking franchise alongside a premier national home lending, servicing, and home insuranceplatform-basedfinancial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision, and Convictions statement,Cornerstoneoperates17full-servicebanking locations across major Texas markets andmore than 150mortgage offices nationwide.The companyhas servednearly700,000customersthrough its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members,Cornerstoneis consistently recognized as a Fortune-certified Great Place to Work and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is thehighest-capitalizednew bank in Texas history.

Who we are looking for:

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.

Who we are looking for:

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, and structure appropriate loan terms.

What you'll do:

• Underwrite community, middle market, and corporate C&I and CRE credit opportunities. Underwriting responsibilities may also include agriculture, private banking, lender finance, and syndicated credit opportunities. Credits will typically range from moderate to highly complex borrower relationships.
• 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 routinely develop credit presentations to support lending recommendations.
• Collaborate with Relationship Managers and other internal partners to assess client needs, evaluate banking products and structures, design effective credit solutions, and deliver quality outcomes that support both client relationships and the Bank's strategic objectives.
• Complete annual credit reviews for assigned commercial relationships, including comprehensive financial analysis, covenant compliance evaluation, risk rating recommendations, and timely completion within established service expectations.
• Perform ongoing covenant compliance monitoring and testing for commercial loan relationships, including annual and quarterly financial covenant calculations, borrower reporting tracking, compliance documentation, and escalation of exceptions or emerging credit concerns to management.
• 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, regulatory guidance, and lending authority standards.
• Stay abreast of the latest financial and banking product knowledge, financial markets, and relevant regulations and business trends.
• Support loan committee presentations and assist senior leadership with portfolio reporting, risk management initiatives, and credit projects.
• Mentor junior underwriters while contributing to departmental process improvements, operational efficiency initiatives, and overall credit quality standards.

What you need to be successful:

• 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.

What we offer:

Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, , Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance based bonus based on position and department.

Where you come in:

We are a great company with great people. We work in a tight-knit, goal-oriented team where our customers and other team members can rely on them to ensure accurate and timely service.

We invite you to explore Cornerstone and to consider making this your last career destination.

What to do next:

If Cornerstone Capital Bank sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you are a part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of our team members can tell you, there's something special about working at Cornerstone. It feels like home.

NO THIRD PARTY AGENCIES