Senior Commercial Underwriter & Credit Risk Analyst

First National Bank Texas; Killeen (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

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.

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

Microsoft Office

Education

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

Job description

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.