Commercial Underwriter

Financial Analyst

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 commercial credit requests. Ensure that accurate and complex loan packages are delivered to approving authorities. Assist in training of analysts. Assist lenders with sales activities and customer contacts. 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.

Bachelor's Degree in Accounting, Finance, Business Management or related field 5-7 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 Thorough knowledge of banking and lending strategies