* 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
* 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
* 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
Skills Required
- Bachelor's Degree in Accounting, Finance, Business Management or related field
- At least 18 years of age
- Prior banking/lending experience
- Ability to organize and prioritize
- Detail oriented and ability to multi-task
- Proficient in Microsoft Office
- Self-starter and able to meet all deadlines
- Effective verbal and written communication skills
- Must successfully pass background investigation according to company policy
- Able to get along with co-workers and work effectively in a team environment
- Strong analytical skills and sound judgment for decision making
- Clear understanding of and compliance with bank procedures, laws and regulations
What We Do
First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings, we have grown to over $4 billion in assets and operate in over 340 locations in Texas, Arizona, Arkansas, and New Mexico. Our bank has grown in many ways over the years, but our focus and commitment remain the same—providing customers with great banking solutions and world-class service. More than a century ago, we began the tradition of being a great community bank focused on the financial success of our customers. Today, more than 3,200 dedicated banking professionals carry on and maintain that established custom. So much has changed since 1901, but our commitment to putting our customers first has not. As we continue to grow and serve customers, we remain committed to providing a combination of modern banking convenience and old-fashioned service.
