San Antonio – Credit Analyst / Underwriter – C&I, CRE & SBA (107151)

Ron has been a Credit Analyst for over 20 years and is skilled in all elements of credit analysis and portfolio management.

He is seeking an opportunity with a San Antonio area bank.

Ron’s career skills as a credit analyst/ underwriter include:

  • Credit analysis and underwriting CRE / C&I / SBA credits (commercial owner-occupied real estate and construction loan, farm / cattle lending, middle market and corporate credits, mortgage and equipment lending)
  • Analyzing financial, operating and industry information to identify, assess and mitigate risk in commercial loan relationships with commitments totaling $500K and greater. 
  • Loan amounts from $1MM to $35MM – Maximum sign-off authority of $5MM.
  • Monitoring indicators of risk in ongoing portfolios.
  • Preparing reports to track risk monthly, quarterly or semi-annually through borrowing base, financial covenants construction inspections and/or real estate reports as well as spread financial statements to review commercial customers.
  • Supervises a team of underwriters and approves loan requests that exceed an underwriters lending authority.
  • Verifies that bank policies and procedures have been followed by underwriters when approving or declining applications.
  • Assists the senior lending officer of lending services in developing risk management policies and procedures to include developing and updating risk rating policy and procedures.
  • Participates as non-voting member of the Bank’s senior credit risk committee.
  • Perform risk rating analysis using various risk rating models on a mix portfolio that consists of renewals, reviews and small enhancements.
  • SBA underwriting 7a’s (PLA’s) and SBA Express. Basic knowledge of fees, compliance and submissions.
  • Negotiates loan terms, rates, loan fees and bank products with business customers or Regional manager.

Ron is asking for a base salary minimum of $93K (flexible).

Kindly call Jeanie Maher or Tom Szmanda at 847-325-5457 or email us at: