CREDIT ANALYST – CONVERSE DEPARTMENT: Loans
CLASSIFICATION: Non-Exempt
REPORTS TO:  VP Credit Administration
SUPERVISES:  None  
POSITION SUMMARY:
Responsible for analyzing and monitoring credit worthiness of the bank’s commercial/ag clients.  Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank.  Recommends credit lines within the established bank guidelines. 
 
DUTIES:

1. Create Financial Historical spreads and pro-forma cash flows.  Prepares spread sheets, reports, summaries and opinions for financial officers on new, renewal and existing loans
2. Verify that loans will meet the required underwriting criteria for requested loan product
3. Perform credit inquiries and obtain credit reports
4. Analyze loan data on new, renewal and existing loans
5. Assemble loan presentation packages for loan committee
6. Attend and participate in loan committees
7. Maintain loan committee minutes and submit monthly report to the Board of Directors
8. Monitor loan policy exceptions and provide data for reporting to the Board of Directors
9. Provide technical advice and assistance to loan officers as needed
10. Provide back-up assistance to other loan officers as needed

RELATIONSHIPS/QUALIFICATIONS:

1. Responsible to the VP Credit Administration for the fulfillment of duties assigned
2. This position requires a Bachelor’s Degree with a preference for Finance or Economics major
3.  Experience in Finance or related field preferred 
4. General banking knowledge, specifically in the commercial/ag lending area would be helpful 
5. Basic computer skills and an attention to detail and accuracy required 
6. May be called on from time to time to participate with community organizations and community projects

WORKING CONDITIONS:

1. Normal office environment
2. Extended viewing of computer screens
3. Moderate lifting up to 25 pounds
4. Repetitive hand and arm movement

 
First Farmers Bank & Trust promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees.