Senior Credit Analyst

* 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.