Job Description

It’s about being the person that wants to see others succeed.

Are you always looking for innovative ways to help people? Do you love serving others and enjoy lending a helping hand regardless of the issue? Do you strive to lead by example and want to play an integral role in the development of your team? If so, then the Central Credit Supervisor role might be for you!

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s over 150-year legacy of providing unparalleled financial services.

Who you are:

As a Central Credit Supervisor, you are our leader, providing guidance and support to every single team member on your team. In this role, you will be responsible for evaluating and approving or rejecting difficult and complex consumer loan applications with underwriting authority of $3,000,000 to $5,000,000 or commercial applications with underwriting authority of $1,000,000 to $3,000,000. Our supervisors have a genuine care for people and enjoy developing people and do it with integrity, caring and excellence in mind.

What you’ll do:

• Monitor day-to-day functions of CCA or BBC Underwriting Department

• Monitor queues and/or assign loan submissions by banking teams

• Analyze financial data, including balance sheets, income statements, and other financial information to determine the credit worthiness and financial conditions of borrowers

• Serve as a primary contact for underwriting review and concurrence

• Act as a key underwriting decision-maker. Perform second reviews on all declinations

• Provide feedback to Central Credit Manager to assist with annual reviews; prepare annual employee reviews

• Ensure appropriate credit documentation and loss mitigation by working closely with sales staff and documentation preparation area

• Provide consistent underwriting and documentation of files to comply with internal and external polices and regulations

• Work with other line-of-business partners to support workflow and customer experience.

• Assist with career development/education of sales staff

• Create/develop training processes and requirements, including global cash flow

• Coach staff members to ensure they have a clear understanding of credit underwriting and servicing requirements

• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you’ll need:

• Bachelor’s degree preferably in Business, Finance, Accounting, or Economics, or equivalent experience

• 5+ years of experience in Lending, preferably within underwriting

• Demonstrated ability to understand and train on complex financial analysis

• Understand laws and regulations pertaining to loans under $5,000,000

• Proven record of success in an underwriting environment

• Ability to lead a team

• Excellent written and verbal communication skills

• Proficient in Microsoft computer applications

Our Benefits:

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:  

• Medical, dental, vision, long-term disability, and life insurance

• 401(k) matching

• Generous holiday and paid time off schedule

• Tuition reimbursement

• Extensive health and wellness programs, including our Employee Assistance Program

• Referral bonus program + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it’s about being part of something bigger. If this sounds like you, we encourage you to apply and see what’s possible at Frost.