Commercial Credit Analyst

F&M Trust • Chambersburg, PA

3h

About The Position

F&M Trust is seeking an analytical, detail-oriented professional to join its Commercial Credit Department. This role supports sound lending decisions by assessing the financial condition and creditworthiness of prospective and existing commercial borrowers. The analyst works closely with Relationship Managers and other Commercial Credit Department colleagues to identify the strengths and risks of commercial credit requests. The appropriate Credit Analyst level will depend on the selected candidate’s experience, knowledge, and qualifications. The preferred location is the Corporate Headquarters in Chambersburg, Pennsylvania; the Regional Headquarters in Harrisburg, Pennsylvania may be considered depending on the candidate’s experience and proximity. The role is open to entry-level and experienced candidates. Experienced analysts may work with larger or more complex commercial relationships and help mentor developing Credit Analysts. Compensation is commensurate with experience and the level at which the candidate is hired.

Requirements

• A bachelor's degree with an emphasis in accounting, finance, economics, business, or a related field, or an equivalent combination of education and relevant business, accounting, banking, or credit experience.
• 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.

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 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.

Benefits

• Medical, dental, and vision insurance.
• Pay-for-performance bonus earning potential.
• Paid time off.
• 11 paid bank holidays.
• 401(k) plan with up to a 6% employer match.
• Employer-paid life insurance.
• Short-term and long-term disability coverage.
• Ongoing training and professional development.
• Opportunities for career growth and advancement.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level