Senior Credit Analyst

First Community Bancshares, Inc.; Fort Worth (TX); Hybrid; USD 55,000 - 90,000; Full time

Job summary

First Community Bancshares, Inc. is seeking a credit-oriented professional in Fort Worth, TX to prepare financial spreads from statements, monitor loan risk, and underwrite consumer and small commercial requests. You will review ratios, assess repayment capacity, and ensure policy compliance.

The role emphasizes analytical rigor, teamwork, and timely, accurate reporting, with opportunities to contribute on special projects and support lending operations in a community bank setting.

Qualifications

• Bachelor's Degree in Accounting, Finance, Business Management or related field
• 3-5 years experience in lending or credit preferred
• Must be able to communicate effectively, both verbal and written
• 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

Responsibilities

• Prepare spreads of financial information from financial statements and tax returns
• Monitor the ongoing credit risk of existing loans through systematic reviews of financial statements and testing compliance with loan covenants
• Analyze and underwrite consumer loan requests as needed
• Order appraisals of residential property
• 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 small, non-complex commercial credit requests
• Assist with special projects and performs other duties as assigned

Skills

Analytical skills

Communication skills

Team player

Self-starter

Deadline-driven

Education

Bachelor's degree in Accounting/Finance/Business

Tools

Microsoft Office

Job description

• Bachelor's Degree in Accounting, Finance, Business Management or related field
• 3-5 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

Job Description

• Prepare spreads of financial information from financial statements and tax returns
• Monitor the ongoing credit risk of existing loans through systematic reviews of financial statements and testing compliance with loan convenants
• Analyze and underwrite consumer loan requests as needed
• Order appraisals of residential property
• 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 small, non-complex commercial credit requests
• Assist with special projects and performs other duties as assigned

Physical Requirements

• Must be able to remain in a sitting stationary position for extended periods of time
• Constantly operate a computer and other office machinery
• Ability to lift up to 25 pounds

Member FDIC, Equal Housing Lender

FCBI is an Equal Opportunity Employer

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