Experienced Commercial Underwriter - Credit Risk & Analysis

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

Job summary

FNBT - First National Bank Texas seeks a seasoned Credit Analyst to evaluate financial data and debt service trends, identify policy exceptions, and ensure compliance with banking laws. You will research industries, highlight repayment risks, and help prepare robust loan packages for approval.

The role requires strong analytical skills, attention to detail, and the ability to train junior analysts while supporting lenders in client contacts and special projects.

Qualifications

• Bachelor's degree required in accounting/finance/business management or related field.
• 5-7 years experience in lending or credit preferred.
• Must be able to communicate effectively, both verbal and written.
• Must be able to pass background investigation.
• 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 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

Organizational skills

Detail oriented

Multi-tasking

Verbal and written communication

Self-motivated

Meeting deadlines

Team collaboration

Education

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

Tools

Microsoft Office

Job description

FNBT - First National Bank Texas seeks a seasoned Credit Analyst to evaluate financial data and debt service trends, identify policy exceptions, and ensure compliance with banking laws. You will research industries, highlight repayment risks, and help prepare robust loan packages for approval.

The role requires strong analytical skills, attention to detail, and the ability to train junior analysts while supporting lenders in client contacts and special projects.