Job Description
Job Description
* 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
* 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
* 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.
Numbers & Facts
| Location | Killeen, TX |
| Industry | Banking |
| Company Size | 2,500 to 4,999 employees |
| Year Founded | 2009 |
| Website | https://www.1stnb.com/ |
About Company
Our History
First National Bank Texas (FNBT), First Convenience Bank (FCB), Fort Hood National Bank (FHNB), First Community Mortgage (FCM), and First Community Services (FCS) continue to thrive. Founded as First National Bank of Killeen in 1901, FNBT has been serving the community for over 120 years.
FNBT has become an industry leader in in-store banking. In the last ten years, we’ve steadily expanded our locations to over 330 banking centers and 340 Gold Key Network* ATMs across Texas, New Mexico, Arizona and Arkansas.
FNBT maintains a grassroots principle. We remain committed to providing a combination of modern convenience and old-fashioned service.
Why Choose Us?
Here in the FNBT family, we are fiercely proud of our past and excited about our bright future. Independently owned and operated with over 330 locations and 3100 employees state-wide, we offer growth and advancement in a fun and fast-paced environment.
We offer many advantages to our team members, some of the most notable benefits include:
•Opportunities for advancement
•Professional training
•Performance incentive pay
•Tuition assistance
•Health benefits
•Personal and vacation pay
•401(k)
We are pleased you have considered advancing your career with us!
Skills
- Analysis Skillsunmatched
- Consumer Loansunmatched
- Credit Analysisunmatched
- Credit Riskunmatched
- Documentationunmatched
- Financial Analysisunmatched
- Financial Reportingunmatched
- Financial Statementsunmatched
- Lift/Move 25 Poundsunmatched
- Loan Policyunmatched
- Loan Reviewunmatched
- Loan Underwritingunmatched
- Maintain Complianceunmatched
- Office Equipmentunmatched
- Physical Demandsunmatched
- Problem Solving Skillsunmatched
- Regulationsunmatched
- Regulatory Complianceunmatched
- Residential Real Estateunmatched
- Risk Managementunmatched
- Tax Returnsunmatched
- Underwritingunmatched
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