Senior Credit Analyst – Complex Commercial Lending

First Farmers & Merchants Bank; Columbia (TN); On-site; USD 60,000 - 85,000; Full time

Job summary

First Farmers & Merchants Bank in Columbia, TN is seeking a Credit Analyst to support its commercial lending function. You will perform financial analysis, prepare CAMs, evaluate repayment capacity, and monitor existing relationships in a fast-paced banking environment.

Ideal candidates have 3–5 years of related experience, a Bachelor’s degree (or equivalent certifications), and strong communication and detail-oriented skills.

Qualifications

• Three to five years of related experience.
• Bachelor's degree required or certifications equivalent to a bachelor's degree.
• Strong analytical and communication skills are essential.

Responsibilities

• Perform detailed financial analysis and spread financial statements and tax returns.
• Prepare Credit Approval Memorandums (CAMs) for commercial relationships and assess credit risk.
• Analyze loan purposes, repayment sources, collateral, guarantor strength, and industry considerations.

Skills

Financial analysis

Credit underwriting

Communication

Attention to detail

Industry research

Education

Bachelor's degree

Certifications equivalent to a bachelor's degree

Tools

Excel

Spreadsheet software

Job description

First Farmers & Merchants Bank in Columbia, TN is seeking a Credit Analyst to support its commercial lending function. You will perform financial analysis, prepare CAMs, evaluate repayment capacity, and monitor existing relationships in a fast-paced banking environment.

Ideal candidates have 3–5 years of related experience, a Bachelor’s degree (or equivalent certifications), and strong communication and detail-oriented skills.