Credit Analyst

First Service Bank; West Virginia; On-site; USD 48,000 - 68,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Cancer insurance

Long-term disability insurance

Clothing stipend

Tuition reimbursement

Professional development opportunities

Job summary

First Service Bank, Corporate location, seeks a Credit Analyst to perform in-depth financial analysis and assess creditworthiness for individuals and businesses. You will estimate lending risks and communicate findings to Loan Officers, the Chief Lending Officer, and the Loan Committee.

Responsibilities include preparing narrative reports, gathering documentation with officers, updating reviews, and attending committee meetings.

Qualifications

• Analytical and detail-oriented with ability to interpret financial data.
• Detail-oriented professionals who excel at accuracy and managing multiple tasks.
• Must be able to speak, read, and write English.

Responsibilities

• Perform detailed financial analysis to assess creditworthiness of individuals and businesses.
• Calculate and interpret financial ratios, cash flow, and debt coverage.
• Prepare clear, narrative reports for Loan Officers, Loan Committee, and Board of Directors.
• Collaborate with Loan Officers and Assistants to gather necessary documentation.
• Update annual financial reviews and report trends or concerns.
• Attend loan committee meetings and training sessions as needed.
• Represent First Service Bank in the community and promote products and services.

Skills

Analytical thinking

Communication

Time management

Detail-oriented

Typing

Service orientation

Professional appearance

Computer skills

Multitasking

English proficiency

Education

High School diploma or GED

College degree in related field preferred

Job description

POSITION: CREDIT ANALYST

LOCATION: CORPORATE

First Service Bank, honored as one of Arkansas’ Best Places to Work for six consecutive years (2020–2025), is now seeking a Credit Analyst who thrives on financial analysis and risk assessment. This role will help First Service Bank make sound lending decisions that support our customers and our mission. If you’re within 30 miles of a First Service Banking location (or willing to relocate), we want to hear from you!

The Credit Analyst is responsible for performing in-depth financial analysis to determine the ability of individuals and businesses to service existing and proposed debt. This role estimates lending risks, including industry trends, interest rates, payment requirements, and cash flow—and communicates findings to Loan Officers, the Chief Lending Officer, Loan Committee, and Board of Directors to support informed decision-making.

What You’ll Do

• Perform detailed financial analysis to assess creditworthiness of individuals and businesses
• Calculate and interpret financial ratios, cash flow, and debt coverage
• Prepare clear, narrative reports for Loan Officers, Loan Committee, and Board of Directors
• Collaborate with Loan Officers and Assistants to gather necessary documentation
• Update annual financial reviews and report trends or concerns
• Attend loan committee meetings and training sessions as needed
• Represent First Service Bank in the community and promote our products and services

Who Is This a Great Opportunity For?

• Analytical Thinkers who enjoy working with numbers and interpreting financial data
• Detail-Oriented Professionals who excel at accuracy and managing multiple tasks
• Individuals Interested in Banking or Finance seeking to deepen their knowledge of credit and lending
• Collaborative Team Players who thrive in a supportive, community-focused environment
• Career Builders looking for growth in financial services, especially in credit or risk management
• Perform other Credit Analyst projects/tasks as assigned

Skills and Abilities

• Strong analytical and problem-solving skills
• Excellent communication skills, both verbally and in writing
• Strong organizational skills
• Detail-oriented
• Excellent time management skills and the ability to handle multiple tasks simultaneously
• Good typing skills
• Service-oriented skill set
• Professional appearance, dress, and attitude
• Ability to operate related computer applications and other business equipment including copy machine, telephone, and computer
• Ability to operate a motor vehicle to attend off-site meetings, training, as needed
• Must be able to speak, read, and write English

Education / Certification

• High School diploma or GED required
• College degree in related field preferred

Must be available to work full-time Mondays through Fridays on-site.

Why Join Us?This position comes with a first-class, comprehensive benefits package, including:

• Employee medical, dental, vision, life insurance, cancer insurance, and long-term disability insurancefor less than $75.00 per month!
• Clothing stipendsto keep you looking sharp and professional.
• Professional and personal development opportunitiesto help you grow and advance in your career.
• Tuition reimbursementto support your educational goals.
• Friendly Environment: Work with a professional team in a welcoming banking atmosphere.

To learn more about our amazing benefits, visit: www.firstservicebank.com/careers

First Service Bank is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.