Credit Analyst - Emerging Banker

This role is ideal for individuals with a strong interest in building a career in banking, specifically as a commercial or agri-business banker. Successful candidates will demonstrate a genuine passion for learning the fundamentals of credit analysis, financial assessment, risk management, and loan underwriting. As part of an immersive, structured training program, participants will be given hands-on experience to develop the skills necessary to succeed. Primary responsibilities include reviewing loans to ensure compliance with the bank’s Loan Policy and Guidelines.

Qualifications: This person should have a bachelor’s degree or the equivalent. With oversight, this person should be able to analyze routine credits using sound credit judgment. Communication skills, a proficiency towards detail, and the ability to comprehend and apply Loan Policy and Guidelines is required. An aptitude towards business development and building relationships both internally and externally is necessary.

Principal Responsibilities

• Learn the Credit Analyst role and build in-depth knowledge of the lending process.
• Meet, learn from, and build positive relationships with the credit department, bankers, the Market President, and other senior leaders across the organization.
• Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
• Spread, analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested. Summarize and analyze findings in the bank’s written credit presentation.
• Prepare annual reviews on borrowing relationships in accordance with loan policy.
• Monitor covenant compliance with loan agreements.
• Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.
• In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
• As required, perform services and projects for the department and the bank.
• Attend Credit Department and other committee meetings as requested by management.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training.

The anticipated salary range for this role is between $50,835.75 and $80,295.27. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors, including the individual’s relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive compensation based on individual performance. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance. Learn more at www.bankeasy.com\careers.

Compensation Grade

Salary Grade 5

First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email hr@bankeasy.com.