Senior Commercial Credit Analyst

F&M Trust; Chambersburg (Franklin County); Hybrid; USD 80,000 - 120,000; Full time

Job summary

F&M Trust is actively seeking a Senior Commercial Credit Analyst to join their Credit Department team. This position involves a hybrid work model and focuses on assessing commercial credit risks, mentoring junior analysts, and requires a strong foundation in financial analysis and communication skills.

Benefits

Medical, Dental, and Vision Insurance

Paid Time Off and 11 Paid Bank Holidays

401(k) with up to a 6% Match

Paid Life Insurance and Disability Benefits

Ongoing Training and Advancement Opportunities

Qualifications

• 5+ years of commercial credit underwriting experience required.
• Effective verbal and written communication skills essential.

Responsibilities

• Evaluate and determine credit risks of commercial credits.
• Mentor junior credit analysts within the bank.

Skills

Financial analysis

Trend analysis

Communication skills

Education

Bachelor's degree in accounting, finance, or economics

Job description

ABOUT THE ROLE

F&M Trust is looking to hire a Senior Commercial Credit Analyst to round out the Credit Department team. The successful candidate will have the option of a hybrid work from home arrangement paired with a home office located at either our Corporate location in Chambersburg, PA, or regional headquarters located in Harrisburg, PA.

This Senior Credit Analyst will be responsible for evaluating and determining the credit risks of commercial credits of high dollar and complexity through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service. The typical size of individual deals and/or aggregate relationships will normally fall within the $5-30MM range and be primarily comprised of commercial real estate (CRE) including land development, residential apartment construction, multi-family homes, hotels, and strip centers; experience with C&I lending and/or government/fund accounting is a bonus.

Seasoned credit analysts can also flex their leadership skills by mentoring more junior credit analysts within the bank.

COMPENSATION & COMPREHENSIVE BENEFITS INCLUDE

• Successful candidate will receive a salary commensurate with experience and qualifications
• Pay-for-Performance (Bonus) Earning Potential
• Medical, Dental, and Vision Insurance
• Paid Time Off and 11 Paid Bank Holidays
• 401(k) with up to a 6% Match
• Paid Life Insurance, Short-term Disability, and Long-term Disability
• Ongoing Training and Advancement Opportunities
• And much more!

MINIMUM QUALIFICATIONS

• Bachelor's degree with an emphasis in accounting, finance, or economics; or ability to convey an in-depth knowledge and understanding of business financial statements and personal financial statements and tax returns.
• Five (5) or more years of current or very recent commercial credit underwriting experience as described above.
• Ability to identify and analyze trends, strengths, and risks in financials, industries, and geographies.
• Possesses effective verbal and written communication skills.

If this is something that raises any interest and you have the minimum qualifications and drive to excel in this analytical role, we encourage you to complete an employment application. We'll be in contact with the most qualified applicants who meet our hiring criteria in the upcoming weeks to get interviews started.

COMPARABLE JOB TITLES

To help our job title resonate with you, other financial institutions may title their positions like the following: Senior Credit Underwriter, Commercial Lending Risk Analyst, Commercial Credit Analyst, and Senior Commercial Credit Analyst.

F&M Trust is an Equal Opportunity Employer - Disability/Vet