Farmers & Merchants Bank & Trust is seeking a credit analyst to join the team.

Job Summary:

This position is responsible for analyzing credit information pertaining to commercial loans. The credit analyst prepares or assists in the preparation of the Commercial Credit Presentations to the loan committee and/or the Board of Directors and provides assistance to the commercial lenders as requested.

Job Responsibilities:

  • Spread and make interpretive analysis of financial statements using the Bank’s Cas Flow Analysis worksheet. Analyze sources of cash flow used for repayment, and identify and evaluate cash flow and ratio trends; identify business and industry risks, management and collateral support.
  • Prepare credit write-ups for presentation at credit committee meetings, work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests, and ensure compliance with the bank’s loan policy and lending regulations.
  • Prepare annual reviews and risk ratings of credits and track migration of credits among various grade levels.
  • Assist with the Loan Review function to ensure appropriate credit grading, credit analysis, and documentation.
  • Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors.
  • Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and reporting requirements; track and report results using the bank’s exception tracking worksheet.
  • Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is not needed in the credit files.

Job Specifications/Competencies

Education: Bachelor’s degree in finance, business administration, accounting, or economics.
Reports to: Senior Vice President/Senior Lending Officer

Farmers & Merchants Bank & Trust is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, national origin, disability status, genetic information, pregnancy, protected veteran status, or any other characteristic protected by law.