Commercial Underwriter

Fhnb; Fort Worth (TX); Hybrid; USD 75,000 - 105,000; Full time

Job summary

Fhnb in Fort Worth, TX is seeking an experienced Credit Analyst to analyze financial data, assess debt service capacity, identify exceptions to lending policies, and ensure compliance with laws and regulations.

You will research borrower industry conditions, document strengths and weaknesses, prepare loan packages for approval, train analysts, support lenders with sales and customer contacts, and participate in special projects.

Qualifications

• Bachelor’s degree in accounting, finance, business or related field.
• 5–7 years lending or credit experience preferred.
• Strong organizational and prioritization skills with ability to meet deadlines.
• Detail-oriented with ability to multi-task in a fast-paced environment.
• Excellent verbal and written communication; able to work in a team.
• Must pass background investigation and comply with bank procedures and laws.
• Thorough knowledge of banking and lending strategies.

Responsibilities

• Analyze financial data, including ratios and debt service capacity.
• Identify exceptions to lending policies and underwriting guidelines.
• Ensure compliance with applicable laws and regulations.
• Research borrower industry and market conditions.
• Identify repayment sources and mitigation of credit risk.
• Prepare written assessments documenting strengths and weaknesses of credit requests.
• Deliver accurate loan packages to approving authorities.
• Assist in training of analysts.
• Assist lenders with sales activities and customer contacts.
• Assist with special projects and other duties as assigned.

Skills

Detail oriented

Multi-tasking

Analytical skills

Strong judgement

Verbal & written communication

Team player

Self-starter

Deadline management

Organizational skills

Compliance awareness

Education

Bachelor's Degree in Accounting, Finance, Business Management or related field

Tools

Microsoft Office

Job description

• * Bachelor's Degree in Accounting, Finance, Business Management or related field
• * 5-7 years experience in lending or credit preferred
• * At least 18 years of age
• * Ability to organize and prioritize
• * Detail oriented and ability to multi-task
• * Proficient in Microsoft Office
• * Must be a self-starter and able to meet all deadlines
• * Must communicate effectively, both verbal and written
• * Must successfully pass background investigation according to company policy
• * Must be able to get along with co-workers and work effectively in a team environment
• * Strong analytical skills and exercises good judgement to make sound decisions
• * Possesses clear understanding and complies with all bank procedures, laws and regulations
• * Thorough knowledge of banking and lending strategies

Job Description

• * Analyze the financial data presented, including the level and trend of pertinent ratios, including global debt service capacity
• * Identify exceptions to lending policies and underwriting guidelines.
• * Ensure compliance with all applicable laws and regulations
• * Research borrower industry and market conditions
• * Identify borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk
• * Prepare written assessment documenting the strengths and weaknesses commercial credit requests
• * Ensure that accurate and complex loan packages are delivered to approving authorities
• * Assist in training of analysts
• * Assist lenders with sales activities and customer contacts
• * Assist with special projects and performs other duties as assigned

Physical Requirements

• * Must be able to remain in a sitting stationary position for extended periods of time
• * Constantly operate a computer and other office machinery
• * Ability to lift up to 25 pounds

Member FDIC, Equal Housing Lender
FCBI is an Equal Opportunity Employer
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