Evaluate and underwrite small commercial and consumer loan requests, analyze financial statements and tax returns, monitor ongoing credit risk and covenant compliance, order appraisals, document credit assessments, research borrower industries, identify risks and mitigation, and assist with special projects.
Job Summary & ResponsibilitiesPreferred Qualifications
* 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.
* Bachelor's Degree in Accounting, Finance, Business Management or related field
* 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
* 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
First National Bank Texas Round Rock, Texas, USA Office
Round Rock, United States
Similar Jobs
Fintech • Mobile • Software • Financial Services
Lead second-line oversight of small business credit risk through advanced analytics, monitoring KPIs/KRIs, roll rates, delinquency, and credit loss trends. Evaluate and optimize portfolio management policies, ensure regulatory readiness and adherence to risk appetite, provide data-driven challenge to first line, and communicate findings to management.
Top Skills:
PythonRSASSQLTableau
Financial Services
Perform credit analysis and underwriting for consumer and small commercial loans, monitor ongoing loan credit risk, prepare financial spreads and written credit assessments, ensure regulatory compliance, order residential appraisals, research borrower industries, identify risks and mitigation, and assist on special projects.
Top Skills:
MS Office
Financial Services
Prepare and analyze financial statements and tax returns to underwrite consumer loans, monitor ongoing credit risk and covenant compliance, order residential appraisals, identify policy exceptions, ensure regulatory compliance, and support special projects.
Top Skills:
MS Office
What you need to know about the Austin Tech Scene
Austin has a diverse and thriving tech ecosystem thanks to home-grown companies like Dell and major campuses for IBM, AMD and Apple. The state’s flagship university, the University of Texas at Austin, is known for its engineering school, and the city is known for its annual South by Southwest tech and media conference. Austin’s tech scene spans many verticals, but it’s particularly known for hardware, including semiconductors, as well as AI, biotechnology and cloud computing. And its food and music scene, low taxes and favorable climate has made the city a destination for tech workers from across the country.
Key Facts About Austin Tech
- Number of Tech Workers: 180,500; 13.7% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Dell, IBM, AMD, Apple, Alphabet
- Key Industries: Artificial intelligence, hardware, cloud computing, software, healthtech
- Funding Landscape: $4.5 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Live Oak Ventures, Austin Ventures, Hinge Capital, Gigafund, KdT Ventures, Next Coast Ventures, Silverton Partners
- Research Centers and Universities: University of Texas, Southwestern University, Texas State University, Center for Complex Quantum Systems, Oden Institute for Computational Engineering and Sciences, Texas Advanced Computing Center
