Senior Credit Analyst - Killeen, TX

First National Bank Texas
United States, Texas, Killeen
Aug 20, 2025
Back Senior Credit Analyst #784-26215 \| Posted 08/19/2025 Killeen, Texas, United States Apply Apply for this job now! Apply Location FNBT Headquarters IH-14 Location Address 901 East CTX Expressway Position Type Full Time Requirements * Bachelor's Degree in Accounting, Finance, Business Management or related field * 3-5 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 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 FCBI is an equal opportunity employer.