Senior Credit Analyst

Job Description * 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.