Senior Commercial Underwriter: Lending & Risk Analysis

Fhnb; San Antonio (TX); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Fhnb is seeking a seasoned credit professional in San Antonio to analyze financial data, assess credit risk, and ensure loan packages meet underwriting standards. The role emphasizes compliance with banking regulations and collaboration with lenders and analysts.

The candidate will evaluate borrower industry conditions, identify repayment risks, and prepare formal assessments for loan approval. Team-based work and adherence to deadlines are essential.

Qualifications

• Requires a Bachelor's degree in accounting, finance, business management or related field.
• 5-7 years experience in lending or credit preferred.
• Must pass background investigation and be able to work in a team.
• Knowledge of banking and lending procedures and regulations.

Responsibilities

• Analyze financial data including ratios and debt service capacity.
• Identify exceptions to lending policies and underwriting guidelines.
• Ensure compliance with applicable laws and regulations.
• Research borrower industry and market conditions.
• Identify sources of repayment and mitigations for credit risk.
• Prepare written assessments of commercial credit requests.
• Ensure loan packages are delivered to approving authorities.
• Assist in training analysts and lenders with sales activities.
• Support special projects and other duties as assigned.

Skills

Detail oriented

Multitasking

Effective communication

Self-starter

Team collaboration

Strong analytical skills

Sound judgement

Ability to meet deadlines

Education

Bachelor's degree in accounting, finance, business management or related field

Tools

Microsoft Office

Job description

Fhnb is seeking a seasoned credit professional in San Antonio to analyze financial data, assess credit risk, and ensure loan packages meet underwriting standards. The role emphasizes compliance with banking regulations and collaboration with lenders and analysts.

The candidate will evaluate borrower industry conditions, identify repayment risks, and prepare formal assessments for loan approval. Team-based work and adherence to deadlines are essential.