Position Summary
Responsible for analyzing and monitoring the creditworthiness of the Bank’s customers. Analyzes financial statements and tax returns to evaluate the financial condition of individuals and businesses applying for credit with the Bank.
Essential Duties and Responsibilities(Other duties may be assigned.)
· Obtain loan request information from Commercial Bankers or Borrowers to analyze credit information, financial statements and other related information pertaining to the loan.
· Spread financial statements for Commercial Bankers into the Abrigo/Sageworks System.
· Review and prepare written analysis, spreadsheets, reports, summaries, and recommendations based on risks, credit and collateral. Assist in presentation of findings to the Lenders.
· Understand the background of Borrowers and be able to communicate, both in writing and verbally, the strengths and weaknesses of a credit.
· Prepare memos for the Commercial Bankers, if needed
· Credit underwriting.
Qualifications
· Bachelor’s degree in Business, Accounting, Finance or related field or a minimum of 2 years of related experience in loan review or commercial lending; or an equivalent combination of education and experience.
· Effective oral and written communication skills.
· Ability to compute complex math calculations.
· Proven problem-solving and analytical skills. Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
· Ability to prioritize.
· Effective time management skills.
· Proficiency in using personal computers and office products (e.g., Word, Excel).
1st Community Bank opened its doors in Alice on February 7, 1983 under the name of First National Bank. In 1990, the Bank purchased La Hacienda Savings and Loan which had two branches, one in San Antonio and one in Corpus Christi. The San Antonio office was closed and the Corpus Christi office remained open under the name of First National Bank. In February 1990, the Bank was re-named 1st Community Bank, N.A. In 1995 a branch in Benavides, Texas was opened. Our Mortgage Division opened in 1996 and then yet another branch, which is located on Water Street in Downtown Corpus Christi, was added in 1998. 1st Community opened its 5th location in Kingsville in June 2000. In April of 2004, the decision was made to close the bank in Benavides and in June of 2004 a new bank was opened in Portland. The Alameda branch, the 7th location, was opened March 2007. The Island branch, the 8th location, was opened February 2008. In March 2014 the bank expanded into the Victoria, TX market. The Bank has seen continuous growth over the years, starting out at $32 million in assets in 1993 up to current $346 million today. The driving force behind 1st Community Bank’s success is the pride it takes in its employees. In November 1999 the Bank adopted an Employee Stock Ownership Plan, which means that the employees are actually buying stock in the Bank. With 78% eligible employee participation in the ESOP, customers can bank on the fact that the employees, who are now owners, will go that extra mile and that our customer’s needs are our 1st concern. Employee ownership is the driving force behind exceptional customer service and loyalty. We believe employee owned and operated is what sets us apart from the rest and gives a cutting edge in the banking industry. In June 2002, we converted from a National Bank to a State Charter. We have found that the Texas Department of Banking is uniquely designed to support our type of bank and our customers. Our motto is and will remain to be... We Make Banking Easy!