Commercial Underwriter

fnbtandfcbcareers; San Antonio (TX); On-site; USD 75,000 - 110,000; Full time

Job summary

FNBT is seeking a lending/credit professional to analyze financial data, assess debt service capacity, and identify repayment risks. The role involves ensuring regulatory compliance, researching industries, and preparing comprehensive credit assessments for loan approvals.

The ideal candidate has a degree in accounting or finance, 5–7 years in lending or credit, strong analytical and communication skills, and the ability to work in a team environment and meet deadlines.

Qualifications

• Bachelor's degree in Accounting, Finance, Business Management or related field.
• Detailed-oriented with strong analytical skills and ability to multi-task.
• Proficient in Microsoft Office and data analysis tools.

Responsibilities

• 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 of 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.

Skills

Analytical skills

Detail oriented

Effective communication

Self-starter

Deadline oriented

Team collaboration

Education

Bachelor's Degree in Accounting or Finance

Tools

Microsoft Office

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

FNBT is an equal opportunity employer.

• 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