Commercial Credit Assistant Manager

First National Bank Texas•Killeen, TX

8d•Onsite

About The Position

The Commercial Credit Assistant Manager will review non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies. This role involves evaluating financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests. The Assistant Manager will provide timely feedback, identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues. Responsibilities also include reviewing and approving specific forms, Annual Credit Exposure Reviews, and supporting the preparation of credit packages. A key aspect of this role is directly supervising Credit Analysts, managing their performance, workflow, development, and accountability, while providing ongoing training, coaching, mentorship, and technical guidance. The Assistant Manager will coordinate workload needs, support consistent application of credit policy, and ensure adherence to underwriting expectations and financial analysis standards. Regular and predictable attendance and punctuality are expected, along with other assigned duties.

Requirements

At least 18 years of age
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field required
Minimum five (5) years of commercial lending, credit analysis, underwriting, portfolio management, or related banking experience.
Demonstrated experience reviewing commercial credit requests, analyzing financial statements, evaluating repayment capacity, and identifying material credit risks.
Strong analytical, financial, and problem-solving abilities
Comprehensive knowledge of commercial credit analysis, underwriting practices, lending procedures, and credit administration standards.
Ability to train, coach, supervise, and develop junior credit employees
Strong written and verbal communication skills, including the ability to provide clear feedback on credit requests and underwriting quality
Strong organizational skills with the ability to manage workflow, prioritize competing deadlines, and maintain service level expectations
Proficiency in Microsoft Office Suite and applicable banking software systems
Ability to exercise sound judgment, identify risk-based concerns, and escalate matters appropriately
Self-motivated with strong attention to detail, accountability, and follow-through
Ability to work collaboratively with lending teams, underwriters, analysts, senior management, and other Bank departments
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

Nice To Haves

Advanced banking, credit, risk management, or financial analysis certifications preferred
Minimum two (2) years of leadership, supervisory, and workflow management experience preferred

Responsibilities

Review all non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies
Evaluate financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests
Provide timely feedback to the appropriate staff and departments
Identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues as appropriate
Review and approve 1-4 Family Construction Status forms and ADC Loan Reclassification forms as assigned
Review Annual Credit Exposure Reviews for accuracy, completeness, risk assessment quality, and timely completion
Support the timely preparation of complete and accurate credit packages for approving authorities
Directly supervise Credit Analysts and maintain day-to-day responsibility for performance, workflow, development, and accountability
Provide ongoing training, coaching, mentorship, and technical guidance to credit staff
Coordinate workload needs between analysts and underwriters as necessary to support departmental priorities and maintain effective service delivery
Support and reinforce consistent application of credit policy, underwriting expectations, financial analysis standards, and documentation requirements across staff work product
Regular and predictable attendance and punctuality
Other duties as assigned