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.