Commercial Credit Analyst

First Farmers Bank & Trust•Carmel, IN

just now•Onsite

About The Position

First Farmers Bank & Trust has been proudly serving families, farms, and businesses since 1885, building relationships rooted in trust and community. With over 140 years of experience, they have grown to become one of the largest community banks in Indiana and Illinois, offering a full range of financial services—from personal and business banking to agricultural lending and mortgage solutions. Their mission is to deliver personalized financial services while fostering strong relationships that help their communities thrive, combining today’s digital banking convenience with the traditional values of integrity, perseverance, and customer care. With 37 branches, they remain deeply committed to the communities they serve through initiatives like financial education programs, scholarships, volunteerism, and local partnerships. At First Farmers, they also invest in their employees, offering competitive benefits, opportunities for professional growth, and a culture that values collaboration and community engagement. The Commercial Credit Analyst is responsible for analyzing and monitoring the creditworthiness of the bank’s commercial/ag clients. This involves analyzing financial statements, tax returns, and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. The analyst recommends credit lines within the established bank guidelines.

Requirements

Basic computer skills
Attention to detail and accuracy required
Bachelor's degree required

Nice To Haves

Experience in Finance, Banking or related field preferred
General banking knowledge, specifically in the commercial/ag lending area would be helpful
May be called on from time to time to participate with community organizations and community projects

Responsibilities

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
Verify that loans will meet the required underwriting criteria for requested loan product
Perform credit inquiries and analyze credit reports
Analyze loan data on new, renewal and existing loans
Assemble loan presentation packages for loan committee
Attend and participate in loan committees
Maintain loan committee minutes and submit monthly report to the Board of Directors
Monitor loan policy exceptions and provide data for reporting to the Board of Directors
Provide technical advice and assistance to loan officers as needed
Provide back-up assistance to other loan officers as needed
All other job duties as assigned

Benefits

Medical Insurance (eligible on date of hire) with options for High Deductible Health Plan (HDHP) and Co-Pay Plan
Vision Coverage
Dental Coverage
Prescription Plan
Wellness Incentive – earn up to $25 per pay period toward premium reduction
Life & Accidental Death & Dismemberment Insurance – 100% employer-paid
Short & Long-Term Disability Insurance – 100% employer-paid
401(k) Plan
Profit Sharing Stock Option
Health Savings Account (HSA) contributions for HDHP participants
Vacation time
Sick Time
Personal Day
11 Paid Holidays
Paid Bereavement
Paid time to volunteer (when representing FFBT and supervisor approved)
Voluntary Donated PTO Program
Employee Assistance Program
Travel Assistance Program
Educational Assistance Program
Corporate Discounts
Employee Referral Program
Stock Purchase Loan Option
Retirement Plan Counseling
Wellness Program
Gym Reimbursement
Employee Quarterly Recognition Program
AFLAC supplemental benefits
Cincinnati Life supplemental coverage
Family Medical Leave
Paid Bereavement Leave
Maternity Leave Policy