Commercial Underwriter

* 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 commercial credit requests * Ensure that accurate and complex loan packages are delivered to approving authorities * Assist in training of analysts * Assist lenders with sales activities and customer contacts * 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.

* Bachelor's Degree in Accounting, Finance, Business Management or related field * 5-7 years experience in lending or credit preferred * At least 18 years of age * Ability to organize and prioritize * Detail oriented and ability to multi-task * Proficient in Microsoft Office * Must be a self-starter and able to meet all deadlines * Must communicate effectively, both verbal and written * Must successfully pass background investigation according to company policy * Must be able to get along with co-workers and work effectively in a team environment * Strong analytical skills and exercises good judgement to make sound decisions * Possesses clear understanding and complies with all bank procedures, laws and regulations * Thorough knowledge of banking and lending strategies

FNBT Headquarters IH-14

901 East CTX Expressway