Senior Credit Analyst

First Community Services-Texas, Inc.; San Antonio (TX); Hybrid; USD 55,000 - 75,000; Full time

Job summary

First Community Services-Texas, Inc. seeks a Credit Analyst to prepare financial analyses from statements and tax returns, monitor loan portfolios, and underwrite consumer loan requests. The role emphasizes underwriting policy compliance and risk assessment within a team-oriented environment.

The candidate should have a Bachelor's degree in accounting/finance, 3–5 years lending experience, strong analytical skills, and excellent communication abilities. Equal housing lender.

Qualifications

• Bachelor's degree in accounting, finance, business management or related field.
• 3-5 years experience in lending or credit preferred.
• Must be at least 18 years old.
• Ability to organize and prioritize tasks.
• Detail oriented with ability to multi-task.
• Proficient in Microsoft Office.
• Self-starter capable of meeting deadlines.
• Strong verbal and written communication.
• Background check required by policy.
• Team player with good interpersonal skills.
• Strong analytical skills and sound judgment.

Responsibilities

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

Skills

Analytical skills

Detail oriented

Microsoft Office

Verbal and written communication

Self-starter

Organizational skills

Judgment and decision making

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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