Senior Credit Analyst: Commercial & Ag Loans|Bonuses & 401k

First Mid-Illinois Bancshares, Inc.; Champaign (IL); On-site; USD 75,000 - 95,000; Full time

Benefits offered by this job

Health, dental & vision coverage with

401(k) with employer match + ESPP

Generous PTO and holidays

Tuition reimbursement

Job summary

First Mid Bancshares, Inc. seeks a seasoned credit analyst to perform in-depth analyses of commercial and agricultural loans and review complex financial statements. You will prepare presentations for loan officers and committees, assess repayment capacity, and monitor risk ratings.

Collaborate with loan officers to understand credits, train junior staff, and contribute to credit-related projects and reporting within a dynamic banking environment.

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.
• Monitor loan requests and assign risk ratings based on lending policies and regulatory guidelines.
• Research industry information from outside sources and provide analysis.
• Investigate sources of credit and financial information (credit bureaus, Experian, RMA, industry trends).
• 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-related reporting, tracking, and monitoring.

Skills

Detail-oriented

Communication skills

Data analysis

Regulatory knowledge

Time management

Team player

Education

Bachelor's degree in Finance/Accounting/Business Administration

Tools

Microsoft Excel

Job description

First Mid Bancshares, Inc. seeks a seasoned credit analyst to perform in-depth analyses of commercial and agricultural loans and review complex financial statements. You will prepare presentations for loan officers and committees, assess repayment capacity, and monitor risk ratings.

Collaborate with loan officers to understand credits, train junior staff, and contribute to credit-related projects and reporting within a dynamic banking environment.