Senior Credit Analyst

FNBT - First National Bank Texas; San Antonio (TX); On-site; USD 55,000 - 85,000; Full time

Job summary

FNBT - First National Bank Texas seeks a detail‑oriented Lending Analyst to join our Texas credit team. The role emphasizes underwriting consumer loans, monitoring credit risk, and ensuring regulatory compliance with accuracy and timeliness.

Ideal candidates hold a bachelor’s degree in accounting/finance or related field, 3–5 years lending experience, strong analytical and communication skills, and the ability to work independently and in a team while meeting deadlines onsite in San Antonio, TX.

Qualifications

• Bachelor's degree required
• 3-5 years lending/credit experience preferred
• Must be 18 years or older
• Ability to organize and prioritize
• Detail oriented and able to multi-task
• Proficient in Microsoft Office
• Self-starter who meets deadlines
• Effective verbal and written communication
• Pass background investigation
• Team player who works well with others
• Strong analytical skills and good judgment
• Compliant with bank policies, laws and regulations

Responsibilities

• Prepare spreads of financial information from financial statements and tax returns
• Monitor ongoing credit risk of existing loans through reviews and covenant testing
• 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 and mitigate credit risk
• Prepare written assessments of small, non-complex commercial credit requests
• Assist with special projects and other duties as assigned

Skills

Microsoft Office

Communication

Analytical skills

Teamwork

Time management

Self-starter

Organization

Education

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

Tools

Microsoft Office Suite

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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