Commercial Credit Analyst

First Farmers Bank & Trust•Kokomo, IN

About The Position

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.

Requirements

Responsible to the AVP Commercial/Ag Credit Department Manager for the fulfillment of duties assigned
Experience in Finance, Banking or related field preferred
General banking knowledge, specifically in the commercial/ag lending area would be helpful
Basic computer skills and an attention to detail and accuracy required
Bachelor's degree required
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