Who we are:

Cornerstone Capital Bank is a new bank, with over $330 million in capital and $2 billion in total assets, and arises from the combination of mortgage industry giant Cornerstone Home Lending and community banking standout Roscoe State Bank. You’ll be on the front end of working for an innovative large community bank that is a leader in mortgage lending and community banking and growing in middle-market commercial and real estate lending. 

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:

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, and Roscoe, Texas. Cornerstone commercial lending embraces a remote work environment. 

The ideal credit professional will have completed a credit training program and have experience in underwriting commercial borrowers and commercial real estate projects. 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. The primary responsibilities include:

• Underwrite community, middle market, and corporate C&I and CRE credit opportunities. Underwriting may also include some agriculture, private banking, lender finance, and/or syndicated credit opportunities. Credits will typically range from moderate to highly complex borrowers. 
• Analyze and assess all available credit and financial information. Prepares summaries, generate industry research, identify risks and mitigating factors, and routinely produce credit presentations to present the aggregate analysis.
• Collaborate with Relationship Managers and other team members to assess client needs and banking products, design effective solutions, and deliver outcomes to benefit clients and the Bank.
• Stay abreast of the latest financial and banking product knowledge, financial markets, and relevant regulations and business trends.

What you need to be successful:

• Two-plus years of experience in commercial credit underwriting, financial analysis, and structuring.
• Experience with Commercial Real Estate, Commercial and Industrial, and other types of commercial borrowers.
• Completion of a formal commercial credit training program is preferred.
• Bachelor Degree in Finance or Accounting is generally required, and relevant graduate work and/or certificates are a plus.
• Strong interpersonal and communications skills, both verbal and written, with the ability to communicate with all levels of employees, management, internal committees, and clients.
• Must be proficient with organizational skills, ability to identify and solve problems/issues, and be able to manage multiple workstreams.
• Proficient in MS Office products (Teams, Word, Excel, PowerPoint), and preferably some experience with Salesforce and nCino.
• Office/Remote – this role may be remote, or in-office in one of our existing facilities; there will be occasional travel needs.

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.

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.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

NO THIRD PARTY AGENCIES