Credit Analyst

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Overview

At F&M Bank, we\'re more than a community bank - we\'re neighbors, partners, and trusted advisors. With a deep commitment to our local businesses and communities, we strive to provide exceptional service, financial expertise, and personalized banking solutions. GROW with a team where your work matters and your contributions help our local economies thrive.

Position Summary

The Credit Analyst supports the bank\'s commercial lending efforts by providing detailed financial analysis and credit underwriting for commercial loan requests. This role works closely with Relationship Managers to assess credit risk and ensure loan structuring in line with the bank\'s credit policy.

Essential Duties

• Analyze financial statements, tax returns, cash flow statements, and business plans for new and existing commercial clients.
• Prepare thorough credit memorandums with risk ratings, loan structuring recommendations, and collateral evaluations.
• Compare liquidity, profitability, and efficiency ratios of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Keep abreast of industry, economic, and market trends that may impact client creditworthiness.
• Assist in tracking lender / loan exceptions and track trends for these exceptions to include tracking collateral.
• Conduct annual reviews for large relationships for quality of continued credit.
• Maintain a solid understanding of credit policy and regulatory compliance requirements.
• Participate in client meetings with lending officers, as needed, to better understand borrower needs and risks.

Remote position : must be located in Virginia.

Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and / or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Qualifications

Physical And Mental Demands

Position Type / Hours

This is a full-time position generally working Monday – Friday, 8 : 30 a.m. – 5 p.m. with additional hours as needed to accomplish job responsibilities.

Seniority level

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Industries

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