Commercial Credit Analyst: Elevate Lending & Insight

F&M Trust; Chambersburg (Franklin County); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) with employer match

Paid time off

11 paid bank holidays

Disability coverage

Ongoing training and development

Career growth opportunities

Job summary

F&M Trust is seeking a Commercial Credit Analyst to evaluate financial condition and creditworthiness of prospective and existing commercial borrowers. You will partner with Relationship Managers to assess risks and determine credit structures.

This role offers growth from entry-level to experienced levels at our Chambersburg/Harrisburg locations, with a comprehensive benefits package. The position supports lending decisions, requires strong analytical and communication skills, and provides

Qualifications

• Bachelor's degree in accounting, finance, economics, business, or related field.
• Coursework, internship, or practical knowledge in financial statements, lending, or financial analysis.
• Strong analytical, mathematical, organizational, and problem-solving skills.
• Ability to communicate financial information clearly in writing and conversation.
• High degree of accuracy and attention to detail.
• Initiative to develop commercial credit and banking knowledge through training.

Responsibilities

• Analyze business and personal financial statements, tax returns, cash flow, collateral, and other financial information.
• Prepare clear, accurate, and timely commercial credit analyses for Relationship Managers and loan discussions.
• Evaluate borrower's ability to repay debt and identify financial trends, strengths, and risks.
• Research industries, market conditions, geographic factors, and benchmarks.
• Review loan relationships including exposure, deposits, collateral, and covenants.
• Collaborate with Relationship Managers to support appropriate credit structures and risk ratings.
• Maintain understanding of the bank's Commercial Loan Policy and compliance requirements.
• Occasionally accompany Relationship Managers on customer visits.
• Engage in ongoing training and professional development.

Skills

Analytical skills

Communication

Attention to detail

Problem-solving

Education

Bachelor's degree in accounting/finance/economics/business

Job description

F&M Trust is seeking a Commercial Credit Analyst to evaluate financial condition and creditworthiness of prospective and existing commercial borrowers. You will partner with Relationship Managers to assess risks and determine credit structures.

This role offers growth from entry-level to experienced levels at our Chambersburg/Harrisburg locations, with a comprehensive benefits package. The position supports lending decisions, requires strong analytical and communication skills, and provides