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

***No agencies or 3rd party Recruiters please. Thank you! *** Who we are: Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a unique national home lender with a reputation of amazing service, customer satisfaction, employee retention, and happiness. We employ people who are passionately committed to Cornerstone’s Mission, Vision & Core Convictions. Our brand is known for on-time closings - a key core conviction of Cornerstone. We have successfully navigated our company through many industry cycles and changes in regulations. We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us. Who we are looking for: The Empower Support Associate is a member of the Empower Help Desk support team providing Tier I level support to Production / Operations team members. Provide support and assistance to customers facing issues from internal team members with loan products, loan-level Empower issues or services. This includes answering questions, troubleshooting technical problems, and resolving complaints, all while ensuring a positive customer experience. Responsible for assisting Production / Operations team members on a day-to-day basis with Empower loan level related issues. Ensure timely, accurate answers to inquiries and escalate Tier 2/3 issues to the Product team. - Location: Remote / Work from home - Compensation: $40-60k/yr - Hours - Must to be available to work hours between times below and for weekend rotation. - 7:00 am (central) to 9:00 pm (central) Weekdays - 9:00 am (central) to 6:00 pm (central) Saturday - Noon (central) to 6:00 pm (central) Sunday Key Responsibilities: - Address Production / Operations team members email and calls for loan level related problems, providing resolution. - Provide excellent customer service to end users by communicating all stages of progress in resolution of the reported problem. - Research, resolve these inquiries related to loan level issues. What you’ll need to be successful: - Strong written and verbal communication skills - Teamwork and customer service necessary - Initiative-taking and energetic - Strong computer and technology-related skills - Professional demeanor - Knowledge of Mortgage Products, Fee’s, Income Calculation, Disclosing, TRID - Must be extremely organized. - DU/ LPA Knowledge - Computer savvy and strong ability to pick up quickly on new systems. - Possess strong knowledge of MS Office - Strong mortgage / origination knowledge - Ability to follow up with multiple tasks / cases daily. - Able to work independently and proactively, prioritizing workload and manage multiple tasks throughout the day while keeping your cool - Experience in Empower is a plus. - Able to work independently and proactively, prioritize workload and manage multiple tasks. What we offer: Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus. What to do next: If Cornerstone 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're a part of our Cornerstone team, we'll continue to invest in you as a valuable asset to our company. As many of our team members can tell you, there's something special about working at Cornerstone.