F&M Bank (Farmers & Merchants Bank) · 3 months ago
Credit Analyst
Timberville Headquarters
Full-time
Onsite
Mid, Senior Level
2+ years expF&M Bank is a community bank committed to providing exceptional service and financial expertise to local businesses and communities. The Credit Analyst supports the bank's commercial lending efforts by performing detailed financial analysis and credit underwriting for commercial loan requests, working closely with Relationship Managers to assess credit risk.
BankingCommercial InsuranceFinancial Services
Responsibilities
Analyze financial statements, tax returns, cash flow statements, and business plans for new and existing commercial clients
Prepare thorough credit memorandums with risk ratings, loan structuring recommendations, and collateral evaluations
Compare liquidity, profitability, and efficiency ratios of establishments being evaluated with those of similar establishments in the same industries and geographic locations
Keep abreast of industry, economic, and market trends that may impact client creditworthiness
Assist in tracking lender/loan exceptions and tracks trends for these exceptions to include tracking collateral
Conduct annual reviews for large relationships for quality of continued credit
Maintain a solid understanding of credit policy and regulatory compliance requirements
Participate in client meetings with lending officers, as needed, to better understand borrower needs and risks
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, or related field, preferred
2 years of experience in commercial credit analysis or commercial banking required
Strong written and verbal communication skills
Strong financial and credit analysis skills with attention to detail
Proficient in Microsoft Excel and financial spreading software
Knowledge of regulatory guidelines and lending best practices
Team player with the ability to work independently and manage multiple priorities meeting deadlines
Ability to work with and maintain confidential information
Ability to travel to other bank branch locations or customers' place of business
Preferred
5+ years of experience in commercial credit analysis or commercial banking preferred
Company
F&M Bank (Farmers & Merchants Bank)
F&M Bank is proud to be an independent community bank with an extensive history in the Shenandoah Valley.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Mike Wilkerson
Chief Executive Officer
Lisa Campbell
Chief Financial Officer
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