What are the responsibilities and job description for the Credit Analyst position at F & M Bank?
Credit Analyst
FT/PT Status:
Regular Full Time
Location:
Any F&M Location
City:
Harrisonburg
Job Responsibilities:
Position: Credit Analyst – Non Exempt position
Location: F & M Bank – Timberville, VA or Branch Location
Hours: Full-time – Monday – Friday, 8:30 a.m. – 5 p.m.
Description: The Credit Analyst collects and analyzes financial information and credit data to evaluate the degree of risk associated with commercial and consumer loans.
Essential Duties:
- Analyzes financial statements and tax returns for personal and corporate borrowers.
- Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Analyzes financial data such as income growth, quality of management, and market share.
- Generates reports to evaluate borrower’s financial status and the degree of risk involved in extending credit.
- Confers with credit trade associations and other business representatives to exchange credit information.
- Completes loan presentation forms and submits to Loan Officer and/or Loan Committee for approval.
- Performs stress testing of loans for interest rate sensitivity and concentrations.
- Compares liquidity, profitability, and efficiency ratios of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Visits customers' place of business with lender to view collateral and work in process.
- Assists in tracking lender/loan exceptions and tracks trends for these exceptions to include tracking
collateral.
- Compares economic trends in customer's industry or similar industry to predict probability of success of new customers.
• Conducts annual reviews for large relationships for quality of continued credit. • Maintains regular, reliable attendance. Knowledge, Skills, and Abilities:
- Ability to communicate effectively orally and/or in writing.
- Ability to read, analyze, and interpret complex financial documents.
- Ability to respond to sensitive inquiries.
- Ability to define problems, collect data, establish facts, and draw valid conclusions.
- Ability to perform duties using credit analysis software.
- Ability to prioritize and meet deadlines.
- Ability to work with limited supervision.
- Ability to work with and maintain confidential information.
• Proficient organizational skills with ability to function in a flexible work environment. • Proficient in MS Excel and Word
Job Qualifications:
Education and/or Experience (Required and Preferred)
• Any combination of education and related experience equivalent to a bachelor’s degree in Accounting, Business Administration, Finance, or other related field.
Physical and Mental 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls.
- The employee frequently is required to talk or hear.
- The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch.
- The employee must regularly lift and/or move up to 10 pounds and may occasionally lift up to 50 pounds.
- Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
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