Strategic Commercial Underwriter

First National Bank Texas; Killeen (TX); On-site; USD 65,000 - 85,000; Full time

Job summary

First National Bank Texas is seeking a credit analyst to analyze financial data and assess risk in loan requests. You will evaluate ratios, debt service capacity, and trends to support lending decisions.

You will identify exceptions to policies, research borrower industries, prepare written assessments, and help deliver loan packages to approvers while supporting analysts and lenders on sales contacts and special projects.

Responsibilities

• 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 commercial credit requests
• Ensure that accurate and complex loan packages are delivered to approving authorities
• Assist in training of analysts
• Assist lenders with sales activities and customer contacts
• Assist with special projects and performs other duties as assigned

Job description

First National Bank Texas is seeking a credit analyst to analyze financial data and assess risk in loan requests. You will evaluate ratios, debt service capacity, and trends to support lending decisions.

You will identify exceptions to policies, research borrower industries, prepare written assessments, and help deliver loan packages to approvers while supporting analysts and lenders on sales contacts and special projects.