Commercial Credit Assistant Manager FNBT - First National Bank Texas - 3.4 Killeen, TX Job Details 16 hours ago Qualifications Computer operation Coaching Financial statement analysis Incident Escalation Team development Bachelor's degree Financial report interpretation Team training Mentoring Corporate finance analysis experience in risk and credit Financial statement interpretation Productivity software Debt risk assessment Escalation handling Technical Proficiency Staff development
Full Job Description Essential/Primary Job Duties:
Review all non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies Evaluate financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests Provide timely feedback to the appropriate staff and departments Identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues as appropriate Review and approve 1-4 Family Construction Status forms and ADC Loan Reclassification forms as assigned Review Annual Credit Exposure Reviews for accuracy, completeness, risk assessment quality, and timely completion Support the timely preparation of complete and accurate credit packages for approving authorities Directly supervise Credit Analysts and maintain day-to-day responsibility for performance, workflow, development, and accountability Provide ongoing training, coaching, mentorship, and technical guidance to credit staff Coordinate workload needs between analysts and underwriters as necessary to support departmental priorities and maintain effective service delivery Support and reinforce consistent application of credit policy, underwriting expectations, financial analysis standards, and documentation requirements across staff work product Regular and predictable attendance and punctuality Other duties as assigned
Physical Requirements:
Must be able to remain in a sitting position for extended periods of time Operate a computer and other office machinery for extended periods of time Ability to lift up to 25 pounds FNBT is an
Equal Opportunity Employer Requirements:
Minimum Qualifications and Education Required:
At least 18 years of age Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field required Advanced banking, credit, risk management, or financial analysis certifications preferred Minimum five (5) years of commercial lending, credit analysis, underwriting, portfolio management, or related banking experience. Minimum two (2) years of leadership, supervisory, and workflow management experience preferred Demonstrated experience reviewing commercial credit requests, analyzing financial statements, evaluating repayment capacity, and identifying material credit risks. Strong analytical, financial, and problem-solving abilities Comprehensive knowledge of commercial credit analysis, underwriting practices, lending procedures, and credit administration standards. Ability to train, coach, supervise, and develop junior credit employees Strong written and verbal communication skills, including the ability to provide clear feedback on credit requests and underwriting quality Strong organizational skills with the ability to manage workflow, prioritize competing deadlines, and maintain service level expectations Proficiency in Microsoft Office Suite and applicable banking software systems Ability to exercise sound judgment, identify risk-based concerns, and escalate matters appropriately Self-motivated with strong attention to detail, accountability, and follow-through Ability to work collaboratively with lending teams, underwriters, analysts, senior management, and other Bank departments 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
