Senior Credit Analyst

First Community Services-Texas, Inc.; Killeen (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

First Community Services-Texas, Inc. in Killeen, TX seeks a Lending/Credit Underwriter to prepare financial spreads, monitor loan risk, and underwrite consumer loan requests. You will order appraisals and analyze financial data to assess debt service capacity.

Ideal candidates hold a bachelor’s degree in accounting/finance, 3–5 years in lending, strong analytical skills, attention to detail, and the ability to work independently and as part of a team.

Qualifications

• Bachelor's degree as cited in requirements.
• 3-5 years experience in lending or credit preferred.
• Must pass background investigation per company policy.
• Ability to organize and prioritize tasks.
• Detail oriented with ability to multi-task.

Responsibilities

• Prepare spreads of financial information from financial statements and tax returns.
• Monitor ongoing credit risk of existing loans through systematic reviews and testing loan covenants.
• Analyze and underwrite consumer loan requests as needed.
• Order appraisals of residential property.
• 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 repayment sources, risks, and mitigation strategies.
• Prepare written assessments of small, non-complex commercial credits.
• Assist with special projects and other duties.

Skills

Analytical skills

Detail oriented

Multi-tasking

Organizational skills

Effective communication

Team player

Self-starter

Deadline oriented

Sound judgement

Bank procedures knowledge

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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