Commercial Underwriter

Fhnb; San Antonio (TX); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Fhnb is seeking a seasoned credit professional in San Antonio to analyze financial data, assess credit risk, and ensure loan packages meet underwriting standards. The role emphasizes compliance with banking regulations and collaboration with lenders and analysts.

The candidate will evaluate borrower industry conditions, identify repayment risks, and prepare formal assessments for loan approval. Team-based work and adherence to deadlines are essential.

Qualifications

• Requires a Bachelor's degree in accounting, finance, business management or related field.
• 5-7 years experience in lending or credit preferred.
• Must pass background investigation and be able to work in a team.
• Knowledge of banking and lending procedures and regulations.

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 sources of repayment and mitigations for credit risk.
• Prepare written assessments of commercial credit requests.
• Ensure loan packages are delivered to approving authorities.
• Assist in training analysts and lenders with sales activities.
• Support special projects and other duties as assigned.

Skills

Detail oriented

Multitasking

Effective communication

Self-starter

Team collaboration

Strong analytical skills

Sound judgement

Ability to meet deadlines

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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