Credit Analyst

Credit AnalystFirst Service Bank, honored as one of Arkansas' Best Places to Work for six consecutive years (2020–2025), is now seeking a Credit Analyst who thrives on financial analysis and risk assessment. This role will help First Service Bank make sound lending decisions that support our customers and our mission. If you're within 30 miles of a First Service Banking location (or willing to relocate), we want to hear from you!The Credit Analyst is responsible for performing in-depth financial analysis to determine the ability of individuals and businesses to service existing and proposed debt. This role estimates lending risks, including industry trends, interest rates, payment requirements, and cash flow—and communicates findings to Loan Officers, the Chief Lending Officer, Loan Committee, and Board of Directors to support informed decision-making.What You'll DoPerform detailed financial analysis to assess creditworthiness of individuals and businessesCalculate and interpret financial ratios, cash flow, and debt coveragePrepare clear, narrative reports for Loan Officers, Loan Committee, and Board of DirectorsCollaborate with Loan Officers and Assistants to gather necessary documentationUpdate annual financial reviews and report trends or concernsAttend loan committee meetings and training sessions as neededRepresent First Service Bank in the community and promote our products and servicesWho Is This a Great Opportunity For?Analytical Thinkers who enjoy working with numbers and interpreting financial dataDetail-Oriented Professionals who excel at accuracy and managing multiple tasksIndividuals Interested in Banking or Finance seeking to deepen their knowledge of credit and lendingCollaborative Team Players who thrive in a supportive, community-focused environmentCareer Builders looking for growth in financial services, especially in credit or risk managementPerform other Credit Analyst projects/tasks as assignedSkills and AbilitiesStrong analytical and problem-solving skillsExcellent communication skills, both verbally and in writingStrong organizational skillsDetail-orientedExcellent time management skills and the ability to handle multiple tasks simultaneouslyGood typing skillsService-oriented skill setProfessional appearance, dress, and attitudeAbility to operate related computer applications and other business equipment including copy machine, telephone, and computerAbility to operate a motor vehicle to attend off-site meetings, training, as neededMust be able to speak, read, and write EnglishEducation / CertificationHigh School diploma or GED requiredCollege degree in related field preferredMust be available to work full-time Mondays through Fridays on-site.Why Join Us? This position comes with a first-class, comprehensive benefits package, including:Employee medical, dental, vision, life insurance, cancer insurance, and long-term disability insurance for less than $75.00 per month!Clothing stipends to keep you looking sharp and professional.Professional and personal development opportunities to help you grow and advance in your career.Tuition reimbursement to support your educational goals.Friendly Environment: Work with a professional team in a welcoming banking atmosphere.First Service Bank is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.