Bachelor’s degree in business, finance, accounting, economics, or equivalent combination of course work and work experience. Prefer at least two years of directly related work experience in a financial institution.
Must also have the following demonstrated knowledge, skills, and abilities:
¨ Ability to maintain objectivity and independence.
¨ Ability to read, comprehend and technically apply written policies, procedures and regulations.
¨ Ability to read and comprehend various types of loan and related support documentation.
¨ Knowledge of financial terms such as depreciation, amortization, quick cash flow, quick ratio, liquidity ratio, debt coverage ratio, debt service ratio, etc.
¨ Ability to apply basic number sense to financial spreads to effectively point out trends, red flags, and or significant points that may affect underwriting decisions.
¨ Ability to diplomatically yet effectively communicate verbally and in writing with all levels of bank staff, directors, regulators, customers, and tax preparers in requesting detailed financial information and/or explanation of financial information/analysis.
¨ Knowledge and understanding of commercial tax returns for all types of business entities.
¨ Ability to use bank equipment, computer systems including PC applications using spreadsheet, word processing, and database software; proficiency in Microsoft WORD and EXCEL.
¨ Develop credit information for use by lending officers or committees in making lending decisions on new, renewal and extension loans:
¨ Review all pertinent credit and financial information, including reporting services, credit bureaus, savings and loan associations or banks, and bank files.
¨ Determine the need for more thorough investigation or additional information, and contact appropriate sources for such information.
¨ Prepare all spreadsheet and financial information.
¨ Analyze financial statements and related material.
¨ Prepare summary, present facts, and offer opinions concerning creditworthiness to loan officers or committees.
¨ Prepare loan rate worksheet on each request reviewed to be used for consideration in determining the rate to charge on a particular loan request.
¨ Ensure that financial statements for loans are monitored where it is required by policy. Maintain current financial information (less than one year old) in loan file. Mail request letters and conduct phone calls if necessary.
¨ Note and document trends in borrower’s financial statements.
¨ Review current grade of credit and recommend grade change to Chief Lending Officer if warranted.
¨ Maintain control over current accounts, watching for any developing problems and keeping loan officers informed.
¨ Perform related duties as assigned.
Job Posting #140131-01
For information on application procedures,
please contact Dianna Kana at 512.321.6171.
First National Bank of Bastrop offers a competitive benefits package and an opportunity to work with a financial institution that prides itself on excellent customer service.
We are an Equal Opportunity Employer of women, minorities, protected
veterans, and individuals with disabilities.