Senior Credit Analyst

First Convenience Bank; San Antonio (TX); Hybrid; USD 55,000 - 75,000; Full time

Job summary

First Convenience Bank is seeking a qualified Credit Analyst to underwrite consumer and small commercial loan requests. You will review financial statements, assess risk, and prepare concise analyses to support lending decisions.

The role emphasizes accuracy, time management, and collaboration with loan officers and appraisal vendors in a team environment. Prior lending experience is preferred and the position is based in Texas on site.

Qualifications

• Bachelor’s degree in accounting, finance, business management or related field.
• 3–5 years experience in lending or credit preferred.
• Must be self-starter and meet deadlines.
• Must communicate effectively, both verbal and written.
• Ability to organize and prioritize, detail oriented and multi-task.

Responsibilities

• Prepare spreads of financial information from financial statements and tax returns.
• Monitor ongoing credit risk of existing loans through systematic reviews.
• Analyze and underwrite consumer loan requests as needed.
• Order appraisals of residential property.
• Analyze financial data, including key ratios and 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 repayment risks and suggest enhancements to mitigate credit risk.
• Prepare written assessment of small, non-complex commercial credit requests.
• Assist with special projects and other duties as assigned.

Skills

Detail oriented

Multi-tasking

Effective verbal and written comm.

Self-starter

Meet deadlines

Team collaboration

Analytical skills

Education

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

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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