Senior Credit Analyst

F&M Bank•Archbold, OH

13d

About The Position

At The F&M, the Credit Analyst Department supports Commercial & Ag Lenders, Loan Committees, Management, and bank clients by contributing to a safe and sound financial institution. The department combines accounting, finance, economics, business law, and other disciplines, and seeks inquisitive, analytical bankers who assess borrowers’ ability to service debt and determine appropriate loan structures. F&M maintains a prudent credit culture and serves large and complex lending relationships. A Senior Credit Analyst underwrites and analyzes complex and larger credit exposures without advanced supervision. The role requires understanding tax returns with numerous pass-through entities, summarizing lengthy lease agreements, and spreading advanced tax returns and financial statements. Analysts use UCA cash flow, fixed charge coverage ratios, and other advanced credit-analysis methods. They ask lenders and borrowers relevant questions to obtain key information and summarize it effectively. The department aims to minimize loan losses, maintain a quality loan portfolio supported by advanced analysis, and help customers succeed. The position provides underwriting support for commercial and agricultural loans, evaluates credit risks and mitigants, advises on loan structure, and ensures that approvals and annual reviews contain current, sufficient financial information for internal decisions and external reviews. It also prepares loan proposals, completes management projects, stays informed about relevant legal, tax, compliance, and market-risk issues, and follows applicable bank policies and regulations. The role includes compliance responsibilities under BSA, AML, OFAC, and the USA PATRIOT Act, including customer identification and due diligence and reporting suspicious activity to the BSA Department.

Requirements

Bachelor’s degree from a four-year college or university, or four or more years of related experience and/or training, or an equivalent combination of education and experience.
Advanced mathematical, analytical, reasoning, and problem-solving skills.
Advanced ability to read and interpret financial statements and legal documents.
Knowledge of Generally Accepted Accounting Principles and the IRS Code.
Advanced writing and computer skills, including the ability to prepare Loan Proposals and handle multiple tasks.
Ability to pass a background check.
Strong dedication to accuracy and efficiency.
Strong ethics, trustworthiness, character, professionalism, confidentiality, and honesty.
Valid driver’s license.

Nice To Haves

Accounting or Finance major preferred.
Understanding of tax returns with numerous pass-through entities.
Ability to summarize lengthy lease agreements.
Experience spreading advanced tax returns and financial statements and understanding UCA cash flow, fixed charge coverage ratios, and other advanced credit-analysis methods.

Responsibilities

Underwrite commercial and agricultural loans promptly for internal customers.
Identify risks and mitigants in credit requests and provide feedback to lenders, Credit Managers, and Loan Committee concerning loan structure and areas of emphasis.
Ensure underwriting of complex guarantors includes sufficient information to identify risks beyond the borrower’s credit request, including global cash flows and other enhanced analysis.
Provide technical advice and assistance to lenders and other employees in the Bank’s lending function as needed.
Ensure annual reviews and new approvals contain current and required financial information for internal credit decisions, external loan-review assessments, and examiner reviews; confirm loan risk ratings accurately reflect credit risk.
Spread and analyze tax returns and financial statements, including interpretation of key ratios.
Ensure underwriting is presented accurately and meets enhanced quality standards.
Communicate with lenders about information needed to complete underwriting.
Prepare Loan Proposals for Loan Committee decision-making.
Complete special projects for Management concerning the loan portfolio.
Stay informed about legal, tax, compliance, and market-risk issues involved in credit approval.
Comply with and satisfactorily pass tests on applicable bank policy and regulatory compliance.
Follow Bank policies, procedures, and applicable federal and state regulatory requirements.
Comply with BSA, AML, OFAC, and USA PATRIOT Act requirements, including accurate completion of Currency Transaction Reports when applicable, customer identification and due diligence, and reporting suspicious activities to the BSA Department.
Maintain job knowledge and technical skills, manage workload and priorities, attend to quality and accuracy, pursue professional learning, and adapt to changing situations.