Commercial Credit Analyst

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Commercial Credit Analyst

About First Farmers Bank & Trust

First Farmers Bank & Trust has been proudly serving families, farms, and businesses since 1885, building relationships rooted in trust and community. With over 140 years of experience, we’ve grown to become one of the largest community banks in Indiana and Illinois, offering a full range of financial services—from personal and business banking to agricultural lending and mortgage solutions. Our mission is simple: deliver personalized financial services while fostering strong relationships that help our communities thrive. We believe in combining today’s digital banking convenience with the traditional values of integrity, perseverance, and customer care. With 37 branches in Indiana and Illinois, we remain deeply committed to the communities we serve. Through initiatives like financial education programs, scholarships, volunteerism, and local partnerships, we invest in what matters most—people. At First Farmers, we also invest in our employees. We offer competitive benefits, opportunities for professional growth, and a culture that values collaboration and community engagement. When you join our team, you’re not just starting a job—you’re joining a company built on heart and grit.

Position Summary:

Responsible for analyzing and monitoring credit worthiness of the bank’s commercial/ag clients. Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Recommends credit lines within the established bank guidelines.

Duties:

• Create Financial Historical spreads and pro-forma cash flows.
• Prepares spread sheets, reports, summaries and opinions for financial officers on new, renewal and existing loans
• Verify that loans will meet the required underwriting criteria for requested loan product
• Perform credit inquiries and analyze credit reports
• Analyze loan data on new, renewal and existing loans
• Assemble loan presentation packages for loan committee
• Attend and participate in loan committees
• Maintain loan committee minutes and submit monthly report to the Board of Directors
• Monitor loan policy exceptions and provide data for reporting to the Board of Directors
• Provide technical advice and assistance to loan officers as needed
• Provide back-up assistance to other loan officers as needed
• All other job duties as assigned

Requirements

RELATIONSHIPS/QUALIFICATIONS:

• Responsible to the AVP Commercial/Ag Credit Department Manager for the fulfillment of duties assigned
• Experience in Finance, Banking or related field preferred
• General banking knowledge, specifically in the commercial/ag lending area would be helpful
• Basic computer skills and an attention to detail and accuracy required
• Bachelor's degree required
• May be called on from time to time to participate with community organizations and community projects

WORKING CONDITIONS:

• Primarily office or branch-based environment with standard business hours.
• Occasional travel to other branch locations or community events may be required
• Daily extended use of banking software, secure digital platforms, and standard office equipment
• Repetitive hand and arm movements
• Ability to sit or stand for extended periods of time
• Ability to lift up to 25 pounds as needed

Benefits Overview:

At First Farmers Bank & Trust, we offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance:

Health & Wellness

• Medical Insurance (eligible on date of hire) with options for High Deductible Health Plan (HDHP) and Co-Pay Plan
• Vision Coverage
• Dental Coverage
• Prescription Plan
• Wellness Incentive – earn up to $25 per pay period toward premium reduction

Financial Security

• Life & Accidental Death & Dismemberment Insurance – 100% employer-paid
• Short & Long-Term Disability Insurance – 100% employer-paid
• 401(k) Plan
• Profit Sharing
• Stock Option
• Health Savings Account (HSA) contributions for HDHP participants

Paid Time Off

• Vacation time
• Sick Time
• Personal Day
• 11 Paid Holidays
• Paid Bereavement

Additional Benefits

• Paid time to volunteer (when representing FFBT and supervisor approved)
• Voluntary Donated PTO Program
• Employee Assistance Program
• Travel Assistance Program
• Educational Assistance Program
• Corporate Discounts
• Employee Referral Program
• Stock Purchase Loan Option
• Retirement Plan Counseling
• Wellness Program
• Gym Reimbursement
• Employee Quarterly Recognition Program
• AFLAC supplemental benefits
• Cincinnati Life supplemental coverage
• Family Medical Leave
• Paid Bereavement Leave
• Maternity Leave Policy