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    Senior Credit Analyst - Mattoon, United States - First Mid Bank & Trust

    First Mid Bank & Trust
    First Mid Bank & Trust Mattoon, United States

    3 weeks ago

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    Description
    Position:

    Senior Credit Analyst

    Location:

    Mattoon, IL

    Job Id:

    3559

    # of Openings:

    1

    Responsible for conducting in-depth credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading.

    Responsibilities include, but are not limited to:
    • Perform credit analyses and financial statement reviews of complex loans, industries, and commercial and ag loan relationships.
    • Create professional credit presentations that summarize borrower's complex financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
    • Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
    • Research industry specific information from outside sources and provide analysis.
    • Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
    • Assist with training of less tenured analysts.
    • Review work of analysts and provide feedback.
    • Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
    • Support other segments of Credit Analysis as assigned, such as miscellaneous loan or credit related reporting, tracking, and monitoring.
    • Participate in credit-related projects and complete training associated with job function.
    Qualifications

    Education/Experience:
    • Bachelor's degree in Accounting, Finance, or Business Administration preferred or commensurate experience.
    • 3+ years of experience in commercial credit analysis or banking industry.
    • Formal advanced training in Microsoft Excel preferred.
    Skills:
    • Detail-oriented
    • Strong oral and written communication skills
    • Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on a substantially independent basis.
    • Good analytical skills with high attention to detail and accuracy.
    • Knowledge of regulatory requirements and expectations related to the lending function.
    • Possess stronger than average self-management, time-management, organization, and multi-tasking skills.
    • Comfortable in a team environment working with deadlines.
    First Mid Bancshares, Inc. is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

    THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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