Experienced Commercial Credit Analyst - Shenandoah Valley

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analyzing a wide variety of financial information including personal and business financial statements (income statements, balance sheets, cash flow statements, personal financial statements, credit reports, etc.), personal and business tax returns and accountant prepared statements, a wide variety of project analysis, etc.
• Assessing the creditworthiness of loan requests.
• Preparing accurate and objective credit analysis write-ups for use by the appropriate loan approval authorities.
• Understanding of the five C’s of credit and ability to apply and access loan requests based on the five C’s of credit.
• General knowledge of the bank’s loan policy.
• Understands the risk rating system of the bank.
• Coordinates with loan officers to obtain the necessary financial and other information to develop a complete credit analysis.
• Ability to use and learn computer software (MS Word, MS Excel, Moodys Credit Lens, etc.).
• Assisting with other credit analysis related activities as needed.
• Balancing and prioritizing individual and regional credit analysis pipelines.
• Recommends the bank’s services and products to the public.
• Other duties as required by bank management.

BENEFITS

• Medical, Dental and Vision Insurance
• 401K/ESOP Plan
• Life Insurance
• Flexible Spending Accounts
• Long Term Disability Insurance
• AFLAC Group Policies (Accident, Hospital & Critical Illness)
• AFLAC Individual Policies (Short Term Disability & Cancer)
• Leave - Vacation, Sick, Marriage and Bereavement

MINIMUM EDUCATION AND EXPERIENCE:

• Bachelor’s Degree – Accounting and/or Finance, Business or Economics (with sufficient credits in accounting)
• Work experience in credit analysis is preferred.

MINIMUM SKILLS AND ABILITIES:

• Strong financial analysis and accounting skills
• Strong critical thinking skills
• Strong written and verbal communication skills
• Strong attention to detail and well organized
• Computer skills (Microsoft Word, Excel, etc.)
• Interpersonal skills
• Professional

COMPLIANCE: The employee has the responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies and those regulations and policies inherent to position requirements.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this Job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: Typical office environment

CONFIDENTIALITY: Confidential information concerning a customer, system, design, program or product unique to First Bank & Trust Company shall not be used for personal gain. Such information shall not be revealed to any person outside the Bank without the consent of the individual or organization involved or as otherwise permitted by law.

The statements on this job description are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Employees may perform other duties as assigned. In addition, all First Bank and Trust employees are expected to:

• Promote teamwork and cooperative effort.
• Help train and give guidance to other employees.
• Maintain a clean, safe, and unobstructed work area.
• Provide customers with the highest quality of products and service.
• Understand and apply appropriate quality improvement processes.
• Comply with corporate policies and procedures.

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran