Commercial Underwriter

First Convenience Bank; Killeen, Northern (TX, KY); Hybrid; USD 65,000 - 90,000; Full time

Job summary

First Convenience Bank is seeking a skilled credit professional to analyze financial data, assess loan packages, and ensure compliance with banking regulations. The role supports lenders, analyzes industry conditions, and mitigates credit risk.

The ideal candidate brings 5–7 years in lending or credit, strong communication, and attention to detail. This on-site position in Texas emphasizes thorough underwriting and collaboration with analysts and the lending team.

Qualifications

• Bachelor's degree in Accounting, Finance, Business Management or related field.
• 5-7 years experience in lending or credit preferred.
• Must be able to pass background investigation.
• Must communicate effectively, both verbal and written.
• Thorough knowledge of banking and lending strategies.
• Ability to organize, prioritize and multi-task.
• Detail oriented and able to meet deadlines.

Responsibilities

• Analyze the financial data presented, 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 borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk.
• Prepare written assessment documenting strengths and weaknesses of commercial credit requests.
• Ensure 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.

Skills

Analytical skills

Communication skills

Team player

Detail oriented

Deadline driven

Multitasking

Education

Bachelor's degree in Accounting/Finance/Business

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

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FCBI is an Equal Opportunity Employer
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