Senior Credit Analyst

F&M Bank•Archbold, OH

About The Position

The Senior Credit Analyst underwrites and analyzes complex and larger commercial and agricultural credit exposures with limited supervision. The role supports Commercial and Ag Lenders, Loan Committees, Management, and bank clients by assessing borrowers’ ability to service debt, recommending appropriate loan structures, and helping maintain a safe and sound financial institution. The analyst works with complex guarantors and evaluates global cash flows and other areas of risk beyond the borrower’s immediate credit request. The role also provides technical assistance to lending staff and ensures that annual reviews and new approvals contain current, sufficient financial information for internal credit decisions, external loan reviews, and examiner reviews, while confirming that loan risk ratings accurately reflect credit risk. The position requires advanced credit analysis, including interpreting tax returns with multiple pass-through entities, summarizing lengthy lease agreements, and analyzing financial statements using UCA cash flow, fixed charge coverage ratios, and other advanced methods. The analyst communicates with lenders and borrowers to obtain meaningful information, identifies risks and mitigants, and presents findings effectively to support loan decisions. The Credit Department seeks to minimize loan losses, build a quality loan portfolio, and help customers succeed.

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 for preparing Loan Proposals and ability to 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.
Understanding of duties and responsibilities and the job knowledge and technical skills necessary for the role; ability to keep job knowledge current.
Ability to manage workload, prioritize tasks, develop effective work procedures, manage time, and handle information flow.
Attention to detail and accuracy, commitment to excellence, continuous improvement, quality monitoring, and ownership of quality problems.
Willingness to seek and accept feedback, learn proactively, take on challenging assignments, keep skills current, and learn from mistakes.
Ability to plan and organize work in new or changing situations, respond in emergencies, and adapt to new procedures.

Nice To Haves

Accounting or Finance major.
Strong 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 ratio, and other advanced credit analysis methods.

Responsibilities

Underwrite Commercial and Ag loans promptly for internal customers.
Identify risks and mitigants in credit requests and provide feedback to Lenders, Credit Managers, and Loan Committee on loan structure and areas of emphasis.
Ensure complex guarantors are sufficiently underwritten, including analysis of global cash flows and risks beyond the borrower’s credit request.
Provide technical advice and assistance to Lenders and other lending-function personnel as needed.
Ensure annual reviews and new approvals have current and required financial information for internal credit decisions, external loan reviews, and examiner reviews.
Confirm loan risk ratings accurately reflect credit risk.
Spread and analyze tax returns and financial statements, including interpreting key ratios.
Ensure underwriting is presented accurately and with enhanced quality.
Communicate with Lenders regarding information needed to complete underwriting.
Prepare Loan Proposals for Loan Committee decisions.
Complete special projects for Management regarding the loan portfolio.
Stay informed about legal, tax, compliance, and market-risk-related issues involved in credit approval.
Comply with applicable bank policies and regulatory requirements and satisfactorily pass tests related to them.
Comply with BSA, AML, OFAC, and USA PATRIOT Act requirements, including accurate completion of CTRs when applicable, customer identification and due diligence, and reporting suspicious activities to the BSA Department.