Consumer Analyst

Join to apply for the Consumer Analyst I role at First Financial Bank Texas

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day.

Job Description

Office

Location:

Abilene, Texas, United States

Scope/Contacts

Incumbent has extensive contact with the company's lending and loan support staff. The incumbent must have the ability to express him/herself in a clear and concise manner. Under the general direction of the Consumer Analyst Manager, the incumbent performs key underwriting functions on consumer real estate loan applications.

Essential Functions

• Perform underwriting duties required to effectively analyze the borrower’s ability to repay.
• Verify supporting loan documentation.
• Advise applicable lending officers as to the degree to which the loan, if approved, will satisfy regulatory and applicable Bank policy requirements.
• Stay current with all applicable regulations and guidelines.
• Other duties and special projects as assigned.
• Actively understands and supports the Customer Service First sales and service culture and the values of the organization. Follows established Bank policies and procedures.

Minimum Qualifications

• Strong analytical, auditing and interpretive skills from multiple sources are needed which can be communicated by above average written and verbal communication skills.
• Thorough documentation, organizational and underwriting skills are needed with the ability to analyze financial statements, tax returns and credit reports.
• Understanding of mortgage loans, regulations governing mortgage lending with an emphasis on Regulation Z with a working knowledge of underwriting is preferred.
• College degree with major in accounting, finance or general business preferred or must have minimum of three years of accounting, finance or underwriting experience.
• Must be proficient in Microsoft Word and Excel.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.