Commercial Underwriter: Credit Risk & Analysis

First Convenience Bank; Fort Worth (TX); Hybrid; USD 60,000 - 100,000; Full time

Job summary

First Convenience Bank is seeking a Commercial Credit Analyst to analyze financial data and assess lending risk. You will evaluate ratios and debt service capacity, identify exceptions to underwriting guidelines, and prepare comprehensive credit assessments.

You will ensure compliance with banking laws and work with lenders on industry research and customer contacts while supporting analysts and special projects.

Qualifications

• Bachelor's degree in Accounting, Finance, Business Management or related field.
• 5-7 years experience in lending or credit preferred.
• Must be at least 18 years old.
• 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.

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 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

Organizational skills

Communication skills

Team player

Self-starter

Deadline oriented

Regulatory awareness

Decision making

Education

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

Tools

Microsoft Office

Job description

First Convenience Bank is seeking a Commercial Credit Analyst to analyze financial data and assess lending risk. You will evaluate ratios and debt service capacity, identify exceptions to underwriting guidelines, and prepare comprehensive credit assessments.

You will ensure compliance with banking laws and work with lenders on industry research and customer contacts while supporting analysts and special projects.