Job Description
Join our dynamic finance team at First National Bank of Texas as a Senior Credit Analyst. You'll be pivotal in evaluating creditworthiness, mitigating financial risks, and supporting our growing commercial lending portfolio in the vibrant Laredo market. We offer a collaborative environment with competitive compensation and clear career advancement paths.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit memos and loan recommendations for senior management review
- Monitor existing loan portfolios for compliance and early risk detection
- Collaborate with relationship managers to structure complex commercial loans
- Stay updated on industry regulations and internal credit policies
- Present risk assessments to credit committee members with clear data-driven insights
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration required
- 3+ years of commercial credit analysis experience
- Strong proficiency in financial modeling and Excel
- Credit certification (CRCM or equivalent) preferred
- Deep understanding of cash flow analysis and collateral valuation
- Excellent written and verbal communication skills
- Ability to manage multiple deadlines in a fast-paced environment