Senior Credit Analyst

fnbtandfcbcareers; San Antonio (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

FNBT is seeking a credit analyst to prepare financial spreads from statements and tax returns, monitor loan risks, and underwrite consumer loan requests. You will order property appraisals and assess debt service capacity while ensuring policy compliance.

Ideal candidates have 3–5 years in lending, strong analytical skills, and proficiency in MS Office. A bachelor’s degree in a related field is required, and teamwork is emphasized in a collaborative environment.

Qualifications

• Bachelor's degree in accounting, finance, business management or related field.
• 3-5 years experience in lending or credit preferred.
• Must communicate effectively, both verbal and written.
• 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 and testing of loan covenants.
• Analyze and underwrite consumer loan requests as needed.
• Order appraisals of residential property.
• Analyze financial data including ratios and 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 repayment risks and suggest enhancements to mitigate credit risk.
• Prepare written assessment documenting strengths and weaknesses of small, non-complex commercial credit requests.
• Assist with special projects and perform other duties as assigned.

Skills

Detail oriented

Multi-tasking

Organizational skills

Analytical skills

Written and verbal communication

Education

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

Tools

Microsoft Office

Job description

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 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

Qualifications

• 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 policyMust 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

FNBT is an equal opportunity employer.