What are the responsibilities and job description for the Senior Credit Analyst position at FNBT - First National Bank Texas?
- 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
FNBT is an equal opportunity employer.
- 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
Benefits:
Health Insurance, 401K Plan, Maternity & Paternity Leave