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Commercial Underwriter

First National Bank Texas
Posted 17 days ago, valid for 11 days
Location

Fort Worth, TX, US

Salary

Competitive

Contract type

Full Time

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Sonic Summary

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  • FNBT is seeking a candidate with a Bachelor's Degree in Accounting, Finance, Business Management, or a related field.
  • The position requires 5-7 years of experience in lending or credit and offers a salary that is competitive within the industry.
  • Key responsibilities include analyzing financial data, ensuring compliance with laws and regulations, and preparing written assessments of credit requests.
  • The candidate must be detail-oriented, proficient in Microsoft Office, and possess strong analytical skills to identify risks and suggest enhancements.
  • Additionally, the role involves assisting in training analysts and supporting lenders with sales activities and customer contacts.
* 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

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.
Qualifications
* Bachelor's Degree in Accounting, Finance, Business Management or related field
* 5-7 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
* Thorough knowledge of banking and lending strategies



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