Senior Commercial Credit Analyst

First Mid Bank & Trust; Champaign (IL); On-site; USD 61,000 - 77,000; Full time

Benefits offered by this job

Healthcare benefits

401(k) match

Employee stock purchase plan

Generous PTO

Tuition reimbursement

Job summary

First Mid Bancshares, Inc. is seeking a Credit Analyst II to perform in-depth credit analyses on commercial and agricultural lending relationships in Champaign, IL.

The role includes financial statement reviews, borrower condition assessments, and preparing credit presentations for loan officers and committees. The position requires a bachelor's degree in a related field and 3+ years of experience, with strong Excel skills and keen attention to detail.

Qualifications

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

Responsibilities

• Perform credit analyses and financial statement reviews of complex loans and relationships.
• Create professional credit presentations summarizing borrowers’ financial condition and repayment capacity.
• Monitor loan requests and assign risk ratings per policies and guidelines.
• Research industry information from external sources to inform credit decisions.
• Meet with commercial customers with loan officers to understand credits and foster relationships.
• Support credit analysis through reporting, tracking, and related tasks.

Skills

Detail-oriented

Strong communication

Data analysis

Time management

Team collaboration

Education

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

Tools

Microsoft Excel

Job description

First Mid Bancshares, Inc. is seeking a Credit Analyst II to perform in-depth credit analyses on commercial and agricultural lending relationships in Champaign, IL.

The role includes financial statement reviews, borrower condition assessments, and preparing credit presentations for loan officers and committees. The position requires a bachelor's degree in a related field and 3+ years of experience, with strong Excel skills and keen attention to detail.