Loan Portfolio Analyst

FNBT Bank, established in 1956, is locally owned and operated along Florida's Emerald Coast, offering a variety of services. FNBT Bank has 10 locations, located in Okaloosa, Walton, and Santa Rosa Counties in the Florida Panhandle.

FNBT Bank is seeking a full-time motivated and detail-oriented Loan Portfolio Analyst to join our dynamic lending team. In this role, you will evaluate and analyze financial information for both commercial and occasional residential loan applications, ensuring compliance with internal policies and industry regulations. As an underwriter, you will assess applicants' creditworthiness, financial stability, and risk factors to make sound lending decisions.

The ideal candidate will have strong analytical skills, attention to detail, and the ability to collaborate with loan officers to support customers in achieving their financial goals. This is an excellent opportunity to build a rewarding career with a community-focused institution. Competitive benefits and professional growth opportunities are offered.

• Evaluate and analyze financial information for both commercial and residential loan applications.
• Underwrite new loan requests, ensuring compliance with bank policies and regulatory requirements.
• Prepare detailed loan request presentations for review and approval.
• Coordinate the preparation, documentation, and processing of loans through closing.
• Monitor and maintain existing loan portfolios to ensure performance standards are met.
• Conduct annual portfolio reviews and manage renewals for existing loans.
• Provide administrative support for the lending supervisor as needed.

• Bachelor's degree in finance, accounting, business, or related field preferred, or equivalent professional experience.
• Exceptional analytical skills and a high level of attention to detail.
• Strong organizational abilities with a commitment to operational excellence.
• Ability to collaborate effectively within a team and build positive customer relationships.

A monthly incentive based on production is paid in addition to base salary.