Commercial Underwriter - Killeen, TX

First National Bank Texas; Killeen (TX); Sur place; USD 70 000 - 100 000; Plein temps

Résumé du poste

First National Bank Texas seeks an experienced Commercial Underwriter in Killeen, TX to analyze financial data and assess credit risk for loan requests. The role requires adherence to banking regulations and collaboration with lenders.

The candidate should have a strong background in lending policy, analytical skills, and the ability to work independently while meeting deadlines in a team environment.

Qualifications

• Bachelor's degree in Accounting, Finance, Business Management or related field.
• 5-7 years experience in lending or credit preferred.
• Must communicate effectively, both verbal and written.
• Strong analytical skills and exercises good judgement to make sound decisions.
• Thorough knowledge of banking and lending strategies.
• Must successfully pass background investigation according to company policy.

Responsabilités

• 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.

Connaissances

Microsoft Office

Formation

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

Description du poste

Commercial Underwriter

#784-30079

Location

Killeen, Texas, United States

FNBT Headquarters IH-14

901 East CTX Expressway

Position Type

Full Time

Requirements

• 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

FNBT is an equal opportunity employer.