Senior Commercial Underwriter: Credit & Lending Expert

First Convenience Bank; San Antonio (TX); Hybrid; USD 65,000 - 85,000; Full time

Job summary

First Convenience Bank in San Antonio, TX seeks a Credit Analyst to analyze financial data, evaluate ratios, and support underwriting. You will prepare assessments and assist lenders with sales activities and customer contacts, while ensuring compliance with lending guidelines.

The role requires a Bachelor’s degree and 5-7 years in lending or credit, with strong analytical skills and a proven ability to meet deadlines.

Qualifications

• 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.

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

Strong analytical skills

Effective communication

Self-starter

Teamwork

Education

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

Tools

Microsoft Office

Job description

First Convenience Bank in San Antonio, TX seeks a Credit Analyst to analyze financial data, evaluate ratios, and support underwriting. You will prepare assessments and assist lenders with sales activities and customer contacts, while ensuring compliance with lending guidelines.

The role requires a Bachelor’s degree and 5-7 years in lending or credit, with strong analytical skills and a proven ability to meet deadlines.