Senior Credit Analyst

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

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.