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We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Abilene, Texas, United States

SCOPE/CONTACTS:   

Under the general direction of the Loan Review Manager, the incumbent prepares written quality evaluations of complex commercial and consumer loans and commitments.  These evaluations include assessments of the borrower's financial condition, the borrower's performance, administration of the loan officer, the sufficiency of documentation, profitability, and compliance with Bank policy and regulatory requirements. This position has extensive contact with the company's lending and loan support staff and has moderate customer contact with potential borrowing customers. The incumbent must have the ability to express his/her self in a clear and concise manner.   

ESSENTIAL FUNCTIONS:

• The incumbent is responsible for preparing comprehensive risk analyses of complex loans and commitments.
• Proficiency as a subject matter expert for complex lending.
• Evaluates documentation for complex commercial and consumer loans and commitments.
• Communicate effectively with co-workers, customers, lending staff, etc. 
• Identify potential problems and recommend effective solutions. 
• Must be self-motivated, professional, and maintain confidentiality.
• Manage tasks within the department to ensure deadlines are met.
• Assist in the training of Level 1 & 2 Analysts on the Loan Review department’s responsibilities.
• Actively support the values of the organization, follow established Bank policies and procedures, and comply with laws and regulations.

MINIMUM QUALIFICATIONS: 

• Bachelor’s degree in accounting, finance or business related field with a minimum of 9 hours of accounting classes (preferred Intermediate Accounting I & II) required.
• Successful completion of the Analyst Program (both Credit Analysis & Loan Review) or two (2) or more year’s prior experience in a credit analysis, underwriting, structuring, and portfolio management required.
• Completion of RMA’s Credit Risk Certification (CRC)  required
• Demonstrated above average written and oral communication skills. 
• Ability to logically organize and interpret information from multiple sources. 
• Ability to analyze complex financial statements.
• Ability to use personal discretion in time management and workload management with minimal supervision.
• Working knowledge of commercial bank operations and lending. 
• Demonstrated ability and willingness to determine a course of action and carry it out.
• Demonstrated leadership abilities, dependability and thoroughness in meeting responsibilities, and willingness to seek out and accept responsibilities. 
• Must be familiar with PCs and PC software, specifically Excel and Word.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)