Credit Analyst

The FNB Community Bank, Vandalia, IL

The FNB Community Bank is locally owned in Bond, Fayette, and Marion Counties. Established in 1865, we currently have 7 locations in the following communities: Vandalia, Patoka, Ramsey, Greenville, & Mulberry Grove. We have a Credit Analyst I available for our Vandalia location.

SUMMARY/OBJECTIVE

As the Credit Analyst I, you will play a crucial role in ensuring the seamless processing and management of loans. You will analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending funding. 

KEY RESPONSIBILITIES

• Be customer service driven and respond to all customer requests with tact, diplomacy, and a sense of urgency
• Prepare reports that include the degree of risk involved in extending credit or the lending of funds
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity
• Analyze financial data such as income growth, quality of management, and market share to determine the expected profitability of loans
• Confer with credit associations and other business representatives to exchange credit information
• Complete loan applications, including credit analyses and summaries of loan requests, and submit them to loan committees for approval
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those similar establishments in the same industries and geographic locations
• May prepare reports for various loan officers, department heads, and board members
• Assist with departmental projects
• Consult with customers to resolve complaints and verify financial and credit transactions
• Represent the bank in a manner that maintains and expands positive relations with customers, potential customers, and coworkers
• Display a professional image through appearance and behavior
• Review and comply with all state and federal regulations and FNB policies and procedures
• Maintain the highest level of confidentiality
• Other duties as assigned

BENEFITS

• Competitive salary 
• Comprehensive health, disability, and life insurance
• 401(k) retirement plan with employer match
• Paid time off and holidays
• Paid parental leave
• Professional membership opportunities

QUALIFICATIONS:

• 1 year of experience in loan analysis, loan processing, underwriting, or a related role
• Proficient understanding of federal, state, and local regulations related to loan administration
• Excellent analytical and problem-solving skills
• Exceptional communication and interpersonal skills
• Ability to work in loan processing software and Microsoft Office Suite
• Ability to work independently and as part of a team
• Strong attention to detail and organizational skills

WORK ENVIRONMENT

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Work will occasionally be done outside in all weather conditions.

WORK REQUIREMENTS

• High-quality customer service skills
• Excellent interpersonal skills
• Detail oriented
• Solid communication skills which include verbal, written, and listening skills
• Desire to expand product knowledge and procedural skills
• Ability to read and comprehend legal and regulatory material related to the job area

PHYSICAL DEMANDS

Language Skills:

• Ability to read, analyze, and interpret business and professional documents
• Proficient in writing reports, business correspondence, and procedure manuals
• Capable of effectively presenting information to various stakeholders

Mathematical Skills:

• Work with mathematical concepts such as probability, statistical inference, and geometry
• Apply mathematical concepts to practical situations using fractions, percentages, ratios, and proportions

Reasoning Ability:

• Solve practical problems with limited standardization
• Interpret various forms of instructions, whether written, oral, or diagrammatic

Other Skills and Abilities:

• Operate office equipment including telephones, copiers, fax machines, PCs, and printers
• Advanced proficiency in computer applications is required

REQUIRED EDUCATION AND EXPERIENCE

• Bachelor’s Degree Required with at least 1 year of credit analysis, loan processing, or loan administration experience 
• Knowledge of lending policies and procedures, compliance policies and procedures, and Banking Regulations. 

COMPENSATION

• Salary commensurate with the level of experience and abilities

At FNB Community Bank, your base salary is just one part of our Total Rewards program. Compensation is based on various factors, including education, skills, internal equity, and experience. Benefits for this role encompass comprehensive healthcare, well-being programs, paid leave, sick time, and vacation time. Additional rewards include access to our Employee Assistance Program, YMCA discount, fitness membership subsidy, and a 401(k) plan with company match. Eligibility requirements apply to all benefits. 

AAP/EEO STATEMENT

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

The FNB Community Bank is an Equal Opportunity Employer. We are committed to creating a diverse and inclusive workplace and do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other protected status under applicable federal, state, or local law. Qualified applicants will receive consideration for employment based on merit, qualifications, and business needs.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT