Credit Analyst

FIRST BANK AND TRUST COMPANY; Abingdon (VA); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

PTO 20 days

Paid holidays

Health insurance

401K/ESOP

Life insurance

Long-term disability

Job summary

First Bank and Trust Company in Southwest Virginia (Wise/Abingdon) seeks a Commercial Credit Analyst to analyze credit requests and related financial information for commercial and agricultural lending. You will prepare objective written reports highlighting strengths and weaknesses to support lending decisions.

The role requires strong financial analysis, accounting skills, and proficiency in Excel; teamwork is essential in a collaborative lending environment.

Qualifications

• Bachelor's degree in Accounting/Finance/Economics (with sufficient credits in accounting) required or preferred.
• Three to five years of commercial credit analysis and/or financial accounting experience preferred.
• Candidates should possess strong financial analysis and accounting skills, critical thinking, written and verbal communication skills, and attention to detail.

Responsibilities

• Perform thorough credit analysis of commercial loan requests and related financial information.
• Assess credit-worthiness of commercial and agricultural loan requests.
• Provide complete, objective written reports highlighting strengths and weaknesses to support lending decisions.

Skills

Financial analysis

Accounting

Critical thinking

Written communication

Verbal communication

Attention to detail

Team player

Microsoft Word

Excel

Education

Bachelor's degree in Accounting/Finance/Economics

Tools

Excel

Word

Job description

Job Description

Job Description

The First Bank and Trust Company is seeking a Commercial Credit Analyst to be located in Southwest Virginia (Wise / Abingdon) or Northeast TN (Kingsport / Bristol / Morristown) to support the bank’s commercial lending activities and to contribute to the overall credit quality of the bank. The Commercial Credit Analyst will be responsible for the thorough credit analysis of commercial loan requests and of all related financial information and for assessing the credit-worthiness of commercial and agricultural loan requests. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of commercial and agricultural loan requests for use in the making of lending decisions.

A bachelor’s degree in Accounting, Finance and Business and/or Economics (with sufficient credits in accounting) and three to five years of commercial credit analysis and/or financial accounting experience is preferred. The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment. The candidate must also have strong computer skills, including Microsoft Word and Excel.

BENEFITS FOR FULL-TIME EMPLOYEES:

• PTO Leave is 20 Days per year earned monthly.
• First Bank and Trust recognizes 11 paid holidays, when the holidays occurs during the work week.
• Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.
• Employees are automatically enrolled in the bank's 401K/ESOP Plan.
• First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.
• First Bank and Trust provides long-term disability Insurance coverage.

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