Credit Analyst II: Complex Commercial & Ag Loans Pro

First Mid Bank & Trust; Burlington (IA); On-site; USD 51,000 - 77,000; Full time

Benefits offered by this job

Healthcare benefits

Paid time off

401(k) with employer match

Employee Stock Purchase Plan

Tuition reimbursement

Performance-based bonuses

Job summary

First Mid Bancshares, Inc. is seeking a Credit Analyst II in Burlington, IA to perform in-depth credit analyses for commercial and agricultural loan relationships. The role involves financial statement reviews and spread analysis to assess repayment capacity.

The position emphasizes accuracy, regulatory knowledge, and the ability to present clear credit conclusions to loan officers and committees. Competitive compensation is offered along with a comprehensive benefits package.

Qualifications

• Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function.
• 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 complex financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
• Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
• Research industry specific information from outside sources and provide analysis.
• Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
• Assist with training of less tenured analysts.
• Review work of analysts and provide feedback.
• Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
• Support other segments of Credit Analysis as assigned, such as miscellaneous loan or credit related reporting, tracking, and monitoring.
• Participate in credit-related projects and complete training associated with job function.

Skills

Detail-oriented

Oral & written comms

Independent data analysis

Analytical skills

Regulatory knowledge

Time management

Team oriented

Education

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

3+ years commercial credit analysis experience

Tools

Microsoft Excel

Job description

First Mid Bancshares, Inc. is seeking a Credit Analyst II in Burlington, IA to perform in-depth credit analyses for commercial and agricultural loan relationships. The role involves financial statement reviews and spread analysis to assess repayment capacity.

The position emphasizes accuracy, regulatory knowledge, and the ability to present clear credit conclusions to loan officers and committees. Competitive compensation is offered along with a comprehensive benefits package.