Commercial Credit Analyst

First Farmers Bank & Trust•Converse, IN

1d•$22 - $24•Hybrid

About The Position

As a Commercial Credit Analyst, you play a critical role in supporting First Farmers Bank & Trust’s mission of delivering exceptional financial services and fostering strong community relationships. This position is 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. This role ensures compliance with all regulatory requirements and internal policies.

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
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