Credit Analyst

Address We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done. Job Description: Office Location: Abilene, Texas, United States SCOPE/CONTACTS: The Incumbent will enter the Professional Lending Development Program as a Credit Analyst. This position has extensive contact with the company's lending and loan support staff and has moderate customer contact with potential borrowing customers. The incumbent must have the ability to express his/her self in a clear and concise manner. Under the general direction of the Credit Supervisor, the incumbent evaluates complex commercial and consumer loans and commitments. These evaluations include interviews with potential borrowing customers, assessments of the borrower's financial condition, the borrower's performance, administration of the loan officer, the sufficiency of documentation, and compliance with Bank policy and regulatory requirements. ESSENTIAL FUNCTIONS: The incumbent is responsible for preparing comprehensive risk analyses of complex loans and commitments. MINIMUM QUALIFICATIONS: Accounting, finance or business degree with a minimum of 9 hours of accounting classes (preferred Intermediate Accounting I & II) required. Demonstrated above average written and oral communication skills. Ability to logically organize and interpret information from multiple sources. Ability to analyze complex financial statements. Ability to use personal discretion in time management and workload management with minimal supervision. Working knowledge of commercial bank operations and lending is preferred. Demonstrated ability and willingness to determine a course of action and carry it out. Demonstrated leadership abilities, dependability and thoroughness in meeting responsibilities, and willingness to seek out and accept responsibilities. Must be familiar with PCs and PC software, specifically Excel and Word. The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) What Makes Us Unique? You. Since 1890, First Financial has been serving the financial needs of customers in every neighborhood, just like yours. Not just through good times, but during difficult years too. We survived the Great Depression, the collapse of the Texas economy in the 1980s, and the Great Recession. Throughout it all, we remain a place of stability and trust for our customers. While other banks have come and gone, First Financial continues to grow through acquisitions, new branches, and the expansion of our services. It goes without saying, First Financial is not your everyday bank. Our “One Bank, Multiple Regions” concept combines the best of “Big Bank” customer benefits with the local decision making and involvement of a community bank. The Company includes multiple banking regions with 79 convenient locations throughout Texas, and we offer convenient banking options with a local, personal touch. And because we’re one bank, you can visit any of our locations and receive the same friendly service. Much of our success comes from the lifelong relationships we’ve built with people just like you. Providing excellent customer service and education is the focus of everything we do. Our customer education includes training to understand how to improve credit, apply for a home loan, and utilize our products and services. Every day we’re here to help you make sound financial decisions. And don’t be surprised if you step through the door and see a familiar face. Many of our employees are leaders in the community. After all, being involved with the community is an important part of who we are. Discover for yourself how at First Financial, it’s You First.