Commercial Underwriter

FNBT - First National Bank Texas; San Antonio (TX); On-site; USD 70,000 - 95,000; Full time

Job summary

First National Bank Texas is seeking a credit analyst to evaluate financial data and assess risk for commercial lending. You will review ratios, identify policy exceptions, and ensure accurate loan packages for approval.

The role requires strong analytical skills, a Bachelor’s degree in a related field, and 5–7 years in lending or credit, with the ability to work in a team and meet deadlines.

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 meet deadlines and work in a team.
• Strong analytical skills with good judgement.

Responsibilities

• Analyze financial data, including ratios and debt service capacity.
• Identify exceptions to lending policies and underwriting guidelines.
• Ensure compliance with laws and regulations.
• Research borrower industry and market conditions.
• Assess repayment sources and mitigate credit risk.
• Prepare written assessments for commercial credit requests.
• Deliver accurate loan packages to approving authorities.
• Assist in training analysts and support lenders with sales activities.

Skills

Detail oriented

Multi-tasking

Microsoft Office

Effective communication

Self-starter

Analytical skills

Team player

Lending/credit knowledge

Judgement and compliance

Education

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

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

• 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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