First Federal Bank · 2 months ago
Commercial Credit Analyst II
Lake City, FL
Full-time
Onsite
Mid Level
3+ years expFirst Federal Bank is committed to community and customer service, emphasizing stability and trustworthiness. They are seeking a Commercial Credit Analyst II to evaluate the creditworthiness of clients, analyze financial data, and provide recommendations for credit approvals.
BankingFinanceFinancial Services
Responsibilities
Evaluate the creditworthiness of potential and existing clients by analyzing financial statements, credit reports and other relevant data
Completion of detailed credit memorandums reporting findings and summarizing financial analysis for new loans, renewals, reaffirmations, and/or modifications of existing loans
Completion of annual reviews on existing relationships to evaluate any changes in credit risk while coordinating annual reviews with loan maturities
Coordinate Risk Rating and Policy Exception changes identified in the credit process
Stay updated on industry trends, economic conditions and regulatory changes that may impact credit risk and lending practices
Coordinate packages for Loan Committee, Executive Loan Committee and Board Meeting presentations; work with Administrative Staff on agenda items
Provide technical advice and assistance to loan officers/ lending assistants as needed
Provides the best service to our customers with innovative and creative solutions
Qualification
Required
Minimum of 3 years of experience as a Credit Analyst with experience in Commercial and Commercial Real Estate transactions
Bachelor's degree in finance, accounting, or business related major
Ability to work collaboratively with other financial professionals, including loan officers, to facilitate the credit approval process
Strong decision-making skills to make credit recommendations or decisions based on sound financial analysis
Extensive knowledge of financial institution policies and procedures
Excellent written and verbal communication skills
Strong financial analytical capabilities
Strong attention to detail, ability to prioritize workload, meet deadlines, and deal tactfully with co-workers and customers
Extended hours sitting and performing computer tasks may be required
Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank
Benefits
Four Medical Plan Offerings to choose from
Employer HSA Contributions (Coverage/Plan exclusions)
Employer Provided Life Insurance Policy
Annual Health Incentive
Annual Wellness Reimbursement
Tuition Reimbursement program
Generous Match 401k Retirement Plan
Paid Sick Leave
Paid Vacation Leave
11 Paid Holidays based on the Federal Reserve Calendar
Company
First Federal Bank
First Federal Bank is a community-based mutual bank that provides online banking and debit card services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
John Medina
Chief Executive Officer
David Brewer
Executive Vice President & Chief Financial Officer
Recent News
2026-01-20
2025-02-19
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