Senior Credit Analyst
About The Position
The Senior Credit Analyst will be responsible for preparing spreads of financial information, monitoring ongoing credit risk of existing loans, analyzing and underwriting consumer loan requests, and ordering appraisals of residential property. This role involves analyzing financial data, identifying exceptions to lending policies, ensuring compliance with laws and regulations, researching borrower industry and market conditions, and identifying borrowing causes, sources of repayment, risks, and mitigation strategies. The analyst will also prepare written assessments for commercial credit requests, assist with special projects, and perform other assigned duties. The physical requirements include remaining in a sitting stationary position for extended periods, operating a computer and other office machinery, and the ability to lift up to 25 pounds. FNBT is an equal opportunity employer.
Requirements
- Bachelor's Degree in Accounting, Finance, Business Management or related field
- 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
Nice To Haves
- 3-5 years experience in lending or credit preferred
Responsibilities
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Senior
