Commercial Credit Assistant Manager - Killeen, TX

Minimum Qualifications and Education Required:
* At least 18 years of age
* Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field required
* Advanced banking, credit, risk management, or financial analysis certifications preferred
* Minimum five (5) years of commercial lending, credit analysis, underwriting, portfolio management, or related banking experience.
* Minimum two (2) years of leadership, supervisory, and workflow management experience preferred
* Demonstrated experience reviewing commercial credit requests, analyzing financial statements, evaluating repayment capacity, and identifying material credit risks.
* Strong analytical, financial, and problem-solving abilities
* Comprehensive knowledge of commercial credit analysis, underwriting practices, lending procedures, and credit administration standards.
* Ability to train, coach, supervise, and develop junior credit employees
* Strong written and verbal communication skills, including the ability to provide clear feedback on credit requests and underwriting quality
* Strong organizational skills with the ability to manage workflow, prioritize competing deadlines, and maintain service level expectations
* Proficiency in Microsoft Office Suite and applicable banking software systems
* Ability to exercise sound judgment, identify risk-based concerns, and escalate matters appropriately
* Self-motivated with strong attention to detail, accountability, and follow-through
* Ability to work collaboratively with lending teams, underwriters, analysts, senior management, and other Bank departments
* 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

Essential/Primary Job Duties:
* Review all non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies
* Evaluate financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests
* Provide timely feedback to the appropriate staff and departments
* Identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues as appropriate
* Review and approve 1-4 Family Construction Status forms and ADC Loan Reclassification forms as assigned
* Review Annual Credit Exposure Reviews for accuracy, completeness, risk assessment quality, and timely completion
* Support the timely preparation of complete and accurate credit packages for approving authorities
* Directly supervise Credit Analysts and maintain day-to-day responsibility for performance, workflow, development, and accountability
* Provide ongoing training, coaching, mentorship, and technical guidance to credit staff
* Coordinate workload needs between analysts and underwriters as necessary to support departmental priorities and maintain effective service delivery
* Support and reinforce consistent application of credit policy, underwriting expectations, financial analysis standards, and documentation requirements across staff work product
* Regular and predictable attendance and punctuality
* Other duties as assigned

Physical Requirements:
* Must be able to remain in a sitting position for extended periods of time
* Operate a computer and other office machinery for extended periods of time
* Ability to lift up to 25 pounds

FNBT is an Equal Opportunity Employer