VSTITLE · 3 months ago
Credit Analyst
Timberville,VA,US
Full-time
Hybrid
Mid, Senior Level
2+ years expF&M Bank is a community bank dedicated to providing exceptional service and personalized banking solutions. The Credit Analyst supports the bank's commercial lending efforts through detailed financial analysis and credit underwriting for commercial loan requests, working closely with Relationship Managers to assess credit risk.
Real Estate
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
2 years of experience in commercial credit analysis or commercial banking
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
Bachelor's degree in Finance, Accounting, Economics, or related field
5+ years of experience in commercial credit analysis or commercial banking
Company
VSTITLE
The competent and friendly staff at VSTITLE (f/k/a Valley Southern Title) would be honored to take care of your needs in connection with the purchase or refinance of your home.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase