Credit Analyst

Position Summary

The Credit Analyst is responsible for conducting thorough financial and credit analysis on commercial and commercial real estate (CRE) loan requests, supporting sound lending decisions and risk management. The ideal candidate will have 3–5 years of experience in credit analysis within a banking environment, with exposure to both C&I and CRE underwriting (CRE will be the primary focus). This role involves preparing detailed credit presentations, collaborating with lending teams, and ensuring compliance with internal policies and regulatory standards. 

Primary Responsibilities

• Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE but including C&I transactions as needed.
• Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software.
• Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate.
• Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions as needed.
• Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices.
• Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions.
• Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management.
• Assist in the ongoing enhancement of credit policies, procedures, and risk management practices.
• Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting.

Secondary Responsibilities

• Support the evaluation and implementation of new credit analysis systems and technology.
• Contribute to process improvement initiatives and support new business or technology projects.
• Participate in training and knowledge-sharing within the credit team.
• Perform other duties as assigned.

Alignment with Bank’s Core Values, Mission, and Vision

At FVSBank, we are committed to upholding our core values and advancing our mission and vision in every aspect of our work. As a Credit Analyst, you are expected to:

• Embody the Bank’s Core Values: Demonstrate teamwork, respect, integrity, accountability, and a commitment to diversity in all interactions with colleagues, clients, and the community.
• Support the Mission: Contribute to the bank’s mission of 'Banking. Made Personal.' by delivering thoughtful and personalized financial analysis.
• Advance the Vision: Help realize our vision 'To be the trusted lifetime financial partner of our customers, communities, and employees' by supporting prudent lending decisions and fostering long-term relationships.
• Promote a Positive Culture: Foster an inclusive, respectful, and growth-oriented workplace that reflects our dedication to continuous improvement and community engagement.

The job duties listed are in no way all encompassing. Other duties, responsibilities, and qualifications may be required and/or assigned, as necessary.  This position requires regulatory compliance.