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First Mid · 7 hours ago

Senior Credit Analyst

Effingham, IL

Full-time

Onsite

Senior Level

First Mid is a financial institution seeking a Senior Credit Analyst to perform loan credit analyses for commercial and agricultural loan relationships. The role involves creating credit presentations, monitoring loan requests, and fostering relationships with commercial customers.

BankingFinanceFinancial ServicesInsurancePersonal FinanceWealth Management

Hiring Manager

Jennifer Vahling-Wendt, PHR, SHRM-CP

Responsibilities

Perform credit analyses and financial statement reviews on commercial and ag loan relationships

Create professional credit presentations that summarize borrower’s financial condition and evaluate repayment capacity and collateral coverage

Make recommendations, tied to analysis, to loan officers and/or loan committee

Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines

Research industry specific information from outside sources and provide analysis

Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies

Review work of analysts and provide feedback

Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits

Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking

Complete required training associated with job function

Other duties and special projects as assigned

Qualification

Credit analysisFinancial statement reviewMicrosoft ExcelMicrosoft OfficeAnalytical in natureBusiness writing skillsTeam environmentDetail-orientedCommunication skillsTime managementOrganization skills