Commercial Credit Analyst – Lending & Risk

First Farmers and Merchants Bank; Columbia (TN); On-site; USD 65,000 - 90,000; Full time

Job summary

First Farmers and Merchants Bank in Columbia, TN seeks a Credit Analyst to support its commercial lending function by performing financial, industry, economic and collateral analysis on large complex relationships. You will assist Relationship Managers and Credit Administration in evaluating credit requests and monitoring borrowing relationships.

Responsibilities include preparing CAMs, analyzing repayment capacity, collateral, and risks; conducting stress testing and financial modeling; and

Qualifications

• Three to five years of related experience.
• Bachelor's degree or industry certifications equivalent.
• Strong communication and collaboration with lenders, Credit Administration personnel, and other Bank associates.

Responsibilities

• Perform detailed financial analysis and spread financial statements, tax returns, rent rolls, and other financial information.
• Prepare Credit Approval Memorandums (CAMs) for new and existing commercial relationships; analyze repayment sources, collateral support, guarantor strength, industry considerations, and overall credit risk.
• Analyze projections, run stress testing, and model borrower performance under varying economic and operational scenarios.
• Assist with portfolio monitoring activities, including covenant compliance review, risk rating assessments, and annual relationship reviews.
• Support relationship managers and credit officers in underwriting and loan presentations.

Skills

Attention to detail

Oral and written communication

Financial analysis

Education

Bachelor's degree or industry certifications equivalent

Job description

First Farmers and Merchants Bank in Columbia, TN seeks a Credit Analyst to support its commercial lending function by performing financial, industry, economic and collateral analysis on large complex relationships. You will assist Relationship Managers and Credit Administration in evaluating credit requests and monitoring borrowing relationships.

Responsibilities include preparing CAMs, analyzing repayment capacity, collateral, and risks; conducting stress testing and financial modeling; and