Credit Analyst II: Commercial Lending & Credit Reviews

First Mid Bancshares, Inc.; Champaign (IL); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Dental & Vision coverage

HSA match

401(k) with employer match

Employee Stock Purchase Plan

Generous PTO

Paid holidays

Parental leave

Tuition reimbursement

Performance-based bonuses

Job summary

First Mid Bancshares, Inc. is seeking a credit analyst to conduct in-depth analyses for commercial and agricultural loan relationships in Champaign, IL.

You will review financial statements, spread key figures, and prepare professional credit presentations for loan officers and committees. The role requires a Bachelor's degree in Accounting, Finance, or Business and 3+ years in commercial credit; strong Excel; detail orientation and clear communication.

Qualifications

• Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
• 3+ years of experience in commercial credit analysis or banking industry.
• Formal advanced training in Microsoft Excel preferred.

Responsibilities

• Perform credit analyses and financial statement reviews of complex loans, industries, and commercial and ag loan relationships.
• Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage.
• Monitor loan requests and assign risk ratings based on lending policies and regulatory guidelines.
• Research industry information and provide analysis.
• Assist with training of less tenured analysts.
• Review work of analysts and provide feedback.
• Meet with commercial customers with loan officers to foster relationships and enhance credit understanding.
• Support other credit analysis tasks and related reporting.

Skills

Detail-oriented

Strong oral and written communication

Data analysis

Regulatory knowledge

Self-management

Time-management

Education

Bachelor's degree in Accounting, Finance, or Business Administration

Tools

Microsoft Excel

Job description

First Mid Bancshares, Inc. is seeking a credit analyst to conduct in-depth analyses for commercial and agricultural loan relationships in Champaign, IL.

You will review financial statements, spread key figures, and prepare professional credit presentations for loan officers and committees. The role requires a Bachelor's degree in Accounting, Finance, or Business and 3+ years in commercial credit; strong Excel; detail orientation and clear communication.