Credit Analyst II

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.
• Make recommendations, tied to analysis, to loan officers and/or loan committee.
• Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
• Research industry specific information from outside sources and provide analysis.
• Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
• Assist with training of less tenured analysts.
• Review work of analysts and provide feedback.
• Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits.
• Support other segments of Credit Analysis as assigned, such as miscellaneous loan or credit related reporting, tracking, and monitoring.
• Participate in credit-related projects and complete training associated with job function.

Qualifications

Education/Experience: 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.

Skills

• Detail-oriented
• Strong oral and written communication skills
• Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on a substantially independent basis.
• Good analytical skills with high attention to detail and accuracy.
• Knowledge of regulatory requirements and expectations related to the lending function.
• Possess stronger than average self-management, time-management, organization, and multi-tasking skills.
• Comfortable in a team environment working with deadlines.

Benefits

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.

Competitive health, dental & vision coverage with HSA match; 401(k) with employer match + Employee Stock Purchase Plan; Generous PTO, paid holidays & parental leave; Tuition reimbursement & performance-based bonuses.