Senior Commercial Underwriter: Risk, Credit & Growth

First Community Bancshares, Inc.; San Antonio (TX); Hybrid; USD 70,000 - 100,000; Full time

Job summary

First Community Bancshares, Inc. is seeking a Commercial Credit Analyst in San Antonio, TX to evaluate financial data and underwriting risk for lending requests.

You will assess debt service capacity, research market conditions, and prepare formal assessments for loan packages presented to approving authorities. The ideal candidate has a Bachelor's degree in a related field, 5–7 years of lending or credit experience, and strong analytical and communication skills.

Qualifications

• Bachelor's Degree in Accounting, Finance, Business Management or related field.
• 5-7 years experience in lending or credit preferred.
• Must be at least 18 years old.
• 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.
• Background investigation required per company policy.
• Team player with ability to work in a collaborative environment.
• Strong analytical skills and good judgement.
• Complies with 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

Analytical skills

Detail oriented

Time management

Communication skills

Self-starter

Education

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

Tools

Microsoft Office

Job description

First Community Bancshares, Inc. is seeking a Commercial Credit Analyst in San Antonio, TX to evaluate financial data and underwriting risk for lending requests.

You will assess debt service capacity, research market conditions, and prepare formal assessments for loan packages presented to approving authorities. The ideal candidate has a Bachelor's degree in a related field, 5–7 years of lending or credit experience, and strong analytical and communication skills.