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F&M Bank · 1 day ago

Senior Credit Analyst

Archbold, OH

Full-time

Onsite

Mid, Senior Level

4+ years exp

F&M Bank is dedicated to maintaining a strong credit culture and providing valuable resources for its clients. The Senior Credit Analyst will underwrite and analyze complex credit exposures, ensuring thorough evaluations of borrowers' abilities to service debt while minimizing loan losses and enhancing the quality of the loan portfolio.

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Responsibilities

Spread and analyze tax returns and financial statements, including interpretation of key ratios

Ensure the underwriting is presented accurately and has enhanced quality

Communicate with Lenders regarding the information needed to complete underwriting

Prepare Loan Proposals for Loan Committee decisioning

Complete special projects for Management regarding the loan portfolio

Stay informed about the legal, tax, compliance, and market-risk-related issues involved in the approval of credit

Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position

Qualification

Advanced analytical skillsFinancial statement analysisAccounting principlesAdvanced mathematical skillsLoan proposal writingReading interpretation skillsComputer skillsProfessionalismProblem-solving skillsAttention to detail

Required

Bachelor's degree from four-year college or university; or four or more years related experience and/or training; or equivalent combination of education and experience. Accounting or Finance Major is preferred

Advanced mathematical, analytical, reasoning, and problem-solving skills

Advanced reading and interpretation skills for financial statements and legal documents

Knowledge of Generally Accepted Accounting Principals and IRS Code

Advanced writing and computer skills for Loan Proposals with ability to handle multiple tasks

Ability to pass a background check

Strong dedication to accuracy and efficiency

Strong level of ethics, trustworthiness, character, professionalism, confidentiality, and honesty

Valid Driver's License