Senior Credit Analyst: Risk & Underwriting Expert

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

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.