Credit Analyst II

Credit Analyst IIHot JobOFallon Commercial Banking Center - OFallon, IL 62269; Operations - Quincy, IL 62301 Start Date 10/01/2026OverviewSalary Range $70,000.00 - $100,000.00 Salary Level Experienced Position Type Full Time Job Shift Mon - Fri Days Education Level 4 Year Degree Travel Percentage None Category BankingDescriptionFirst Bankers Trust Company is offering a fast-paced job opportunity for interested candidates! Apply today to secure a fulfilling career along with these additional perks:Competitive full benefits package including medical insurance, HSA with investment options, dental & vision insurance, life insurance, 401K with match, and profit sharingVacation and PTO time reflective of your experienceOpportunities to help others and make a difference in the communityVolunteering time off of 12 hours per yearAccess to a library over 6,000 personal and professional development on-line courses, hosted by Udemy BusinessParticipation in our company-wide employee wellness incentive program, and the ability to earn a discount on your next year's premiumsComprehensive, value-added career opportunitiesFocus on career development, broad exposures, and learning new things dailyOpportunities to participate in special interest groups, such as Young Professionals, or one of our Employee Resource GroupsA Credit Analyst is accountable for supporting the commercial and agricultural loan officers by conducting credit investigations, analyzing credit information pertaining to loans, and conducting ongoing financial monitoring and annual reviews. This position works closely with the banks commercial and agricultural loan officers, as well as other members of the credit department, in the execution of day to day activities.Completes accurate and consistent financial statement spreads, quarterly trend analysis, covenant tests, stress tests, and collateral reviews in accordance with established standards and credit policies.Assists with portfolio management by tracking credit approval requirements, monitoring loans, collecting and analyzing financial/credit information to ensure loan is secure, preparing reports, and escalating issues.Prepares collateral appraisals on loans under $250K, conducts a review of the information and makes an assessment on the information collected, offers opinions concerning credit-worthiness, and prepares follow up questions to pass to loan officer to address with customers.Executes and ensures accurate initial setup of loans in systems and conducts ongoing maintenance.Completes annual loan reviews.Maintain all credit files with sufficient documentation to meet audit requirements.Maintain and report on scorecard metrics.Occasionally participates in sales calls.Conduct floor plan checks.Collects on past due loans.Develops and implements small projectsPerforms other duties and projects as assigned and requested.QualificationsBachelors Degree in Business or Finance-related field4-7 year of related experience/exposure within the banking industryDemonstrates aptitude for mathematical and/or financial transactionsDemonstrates strong analytical thinking skillsDemonstrates ability to execute day to day work under general supervisionDemonstrates strong customer service skills (customer-oriented)Demonstrates ability to thrive in a fast-paced environment and multi-task daily job dutiesDemonstrates ability to address basic to moderately complex job related/technical issues and problems with guidance, and refers more complex issues to higher-level staffDemonstrates strong written and verbal communication skillsDemonstrates ability to develop and execute small to medium-term functional and/or cross-functional projectsDemonstrates strong team collaboration/team work skills, with ability to work in diverse teams and build/maintain positive working relationshipsDemonstrates ability to interact efficiently with Technology and utilize common office applications including Word, Excel, Outlook, and related applications; willingness to learn new technologiesOur values reflect our culture: Everyone is Valued, Do The Right Thing, Friendly Family, & Fun, Dream Big/Act Small, Accountability, InnovationWhen you choose to become a part of the team at First Bankers, you are getting more than a job. What comes along with the daily work is making a difference in other people's lives, working closely with teammates who are people you enjoy, contributing to a bigger picture, balancing work and home commitments, and developing yourself and your career. If that sounds like a good deal to you, apply for a position today.Work EnvironmentThis position typically works in a professional office setting. While performing the duties of this Job, the employee is regularly required to stand, move from one point to another, and use hands to manipulate, handle, or feel. The employee is frequently required to reach with hands and arms, speak, and hear. The employee will occasionally sit, stoop, lift, kneel, or crouch in the course of completing their job. The employee must occasionally lift and/or move up to 25 pounds.The salary range provided in this job posting represents what the company reasonably expects to pay for the position based on the minimum qualification requirements included at the time of posting. Actual compensation may vary based on factors including, but not limited to, individual experience, education, and skill level.First Bankers Trust Company is an equal opportunity employer and supports diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position. First Banker's Trust