Senior Credit Analyst: Complex Underwriting & Analytics

F; Archbold (OH); On-site; USD 90,000 - 120,000; Full time

Job summary

F&M Bank in Ohio seeks a Senior Credit Analyst to underwrite complex Commercial and Agricultural loans, analyzing tax returns and financial statements to structure loans with strong risk mitigants. The role emphasizes handling pass-through entities, lease summaries, and cash flow analysis with advanced methods.

The Senior Analyst will collaborate with Lenders and Credit Managers to deliver accurate underwriting, provide technical guidance, and help manage a high-quality loan portfolio.

Qualifications

• Bachelor’s degree or 4+ years related experience in accounting or finance
• Advanced mathematical, analytical, reasoning, and problem-solving skills
• Advanced reading and interpretation of financial statements and legal documents
• Knowledge of GAAP and IRS Code
• Advanced writing and computer skills for Loan Proposals and ability to handle multiple tasks
• Ability to pass a background check
• Strong dedication to accuracy, ethics and confidentiality

Responsibilities

• Spread and analyze tax returns and financial statements, including interpretation of key ratios
• Ensure the underwriting is presented accurately and has enhanced quality
• Communicate with Lenders regarding the information needed to complete underwriting
• Prepare Loan Proposals for Loan Committee decisioning
• Complete special projects for Management regarding the loan portfolio
• Stay informed about legal, tax, compliance, and market-risk-related issues involved in the approval of credit
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position

Skills

Advanced mathematical skills

Analytical reasoning

Financial statement interpretation

Tax and accounting knowledge

Advanced writing and proposals

Background check readiness

Education

Bachelor’s degree in Accounting or Finance

Job description

F&M Bank in Ohio seeks a Senior Credit Analyst to underwrite complex Commercial and Agricultural loans, analyzing tax returns and financial statements to structure loans with strong risk mitigants. The role emphasizes handling pass-through entities, lease summaries, and cash flow analysis with advanced methods.

The Senior Analyst will collaborate with Lenders and Credit Managers to deliver accurate underwriting, provide technical guidance, and help manage a high-quality loan portfolio.