What are the responsibilities and job description for the Senior Credit Analyst - San Antonio, TX position at First National Bank Texas?
Senior Credit Analyst
#784-29631
Location
San Antonio Consolidated
Location Address
8522 Broadway Suite 208
Position Type
Full Time
Requirements
* 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
* 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
* 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
* 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
FNBT is an equal opportunity employer.
EOE Minority/Female/Individuals with Disabilities/Protected Veterans