Commercial Credit Analyst

F&M Trust•Chambersburg, PA

1d•Onsite

About The Position

F&M Trust is hiring a Commercial Credit Analyst to support its Commercial Credit Department. This role evaluates the financial condition and creditworthiness of prospective and existing commercial borrowers, helping support sound lending decisions. The analyst works closely with Relationship Managers and other Commercial Credit Department members to identify strengths and risks associated with commercial credit requests. The appropriate Credit Analyst level will be determined based on the selected candidate’s experience, knowledge, and qualifications. The position is preferably located at the Corporate Headquarters in Chambersburg, Pennsylvania, though the Regional Headquarters in Harrisburg, Pennsylvania may be considered depending on the candidate’s experience and proximity. Candidates may be at different career stages, from entry-level to experienced. Experienced analysts may work with larger or more complex commercial relationships and may help mentor developing Credit Analysts. F&M Trust offers a comprehensive benefits package, training and professional development, and career growth opportunities. Compensation is commensurate with experience and the Credit Analyst level at which the candidate is hired.

Requirements

For entry-level candidates, a bachelor’s degree emphasizing accounting, finance, economics, business, or a related field.
Coursework, internship experience, or practical knowledge involving financial statements, accounting, lending, or financial analysis.
Strong analytical, mathematical, organizational, and problem-solving skills.
Ability to communicate financial information clearly in writing and conversation.
High degree of accuracy and attention to detail.
Initiative and willingness to develop commercial credit and banking knowledge through training and mentorship.
Equivalent combinations of education and relevant business, accounting, banking, or credit experience may be considered.

Nice To Haves

Commercial credit analysis, commercial loan underwriting, business banking, lending, or related financial analysis experience.
Experience analyzing business and personal financial statements, tax returns, cash flow, collateral, and debt-service capacity.
Experience working with complex ownership structures or different types of business entities.
Knowledge of commercial loan policies, credit risk ratings, loan covenants, and underwriting practices.
Corporate tax accounting experience that provides a strong foundation for commercial financial analysis.

Responsibilities

Analyze business and personal financial statements, tax returns, cash flow, collateral, and other financial information.
Prepare clear, accurate, and timely commercial credit analyses for Relationship Managers and loan approval discussions.
Evaluate borrowers’ ability to repay debt and identify financial trends, strengths, and potential risks.
Research industries, market conditions, geographic factors, and relevant financial benchmarks.
Review commercial loan relationships, including loan exposure, deposit balances, collateral, and required financial covenants.
Collaborate with Relationship Managers to support appropriate credit structures and risk ratings.
Maintain an understanding of the bank’s Commercial Loan Policy and applicable compliance requirements.
Occasionally accompany Relationship Managers on customer visits.
Complete ongoing training and professional development opportunities.
For experienced analysts, work with larger or more complex commercial relationships and help mentor developing Credit Analysts.