Credit Analyst II: Complex Commercial Lending

First Mid Bancshares, Inc.; Burlington (IA); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Health Insurance

HSA match

401(k) match

Employee Stock Purchase Plan

Generous PTO

Tuition reimbursement

Bonuses

Job summary

First Mid Bancshares, Inc. in Iowa is seeking a Credit Analyst to perform credit analyses and financial statement reviews for commercial and agricultural loan relationships. You will prepare presentations and assess repayment capacity.

The ideal candidate has a bachelor’s degree in accounting, finance, or business administration and at least 3 years in commercial credit analysis, with strong Excel skills and attention to detail. This role supports loan officers and participates in risk reviews.

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

Strong communication skills

Analytical skills

Time management

Team collaboration

Education

Bachelor's degree in Accounting/Finance/Business Administration

3+ years commercial credit analysis experience

Advanced Excel training (preferred)

Tools

Microsoft Excel

Job description

First Mid Bancshares, Inc. in Iowa is seeking a Credit Analyst to perform credit analyses and financial statement reviews for commercial and agricultural loan relationships. You will prepare presentations and assess repayment capacity.

The ideal candidate has a bachelor’s degree in accounting, finance, or business administration and at least 3 years in commercial credit analysis, with strong Excel skills and attention to detail. This role supports loan officers and participates in risk reviews.