Credit Analyst I

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.


Responsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading.


Responsibilities include, but are not limited to:

• Perform credit analyses and financial statement reviews on commercial and ag loan relationships.
• Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
• Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.
• Research industry specific information from outside sources and provide analysis.
• Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
• Review work of analysts and provide feedback.
• Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
• Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.
• Complete required training associated with job function.
• Other duties and special projects as assigned.

Qualifications

Education/Experience:

• Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function.
• Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.
• Formal training in Microsoft Excel preferred.

Skills:

• Detail-oriented
• Strong communication skills
• Analytical in nature
• Possess stronger than average time management, organization, and multi-tasking skills
• Business writing skills
• Comfortable in a team environment working with deadlines

Total Rewards:

• Competitive health, dental & vision coverage with HSA match
• 401(k) with employer match + Employee Stock Purchase Plan
• Generous PTO, paid holidays & parental leave
• Tuition reimbursement & performance-based bonuses
• Visit our Total Rewards page to see our full list of benefits

First Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

Pay Range: $24.52 - $36.79 per hour