Credit Analyst

Position Summary

We are seeking a detail-oriented and experienced Credit Analyst to join our dynamic banking team. This role offers an excellent opportunity to contribute to sound lending decisions and effective risk management by conducting comprehensive financial and credit analyses on a variety of loan requests. The ideal candidate will bring a strong background in credit analysis, with a primary focus on commercial real estate (CRE) and exposure to commercial and industrial (C&I) lending, supporting our commitment to responsible and strategic growth.

Primary Responsibilities

• Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE but including C&I transactions as needed.

• Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software.

• Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate.

• Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions as needed.

• Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices.

• Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions.

• Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management.

• Assist in the ongoing enhancement of credit policies, procedures, and risk management practices.

• Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting.

Secondary Responsibilities

• Support the evaluation and implementation of new credit analysis systems and technology.

• Contribute to process improvement initiatives and support new business or technology projects.

• Participate in training and knowledge-sharing within the credit team.

• Perform other duties as assigned.

Alignment with Bank's Core Values, Mission, and Vision

At FVSBank, we are committed to upholding our core values and advancing our mission and vision in every aspect of our work. As a Credit Analyst, you are expected to:

• Embody the Bank's Core Values: Demonstrate teamwork, respect, integrity, accountability, and a commitment to diversity in all interactions with colleagues, clients, and the community.

• Support the Mission: Contribute to the bank's mission of 'Banking. Made Personal.' by delivering thoughtful and personalized financial analysis.

• Advance the Vision: Help realize our vision 'To be the trusted lifetime financial partner of our customers, communities, and employees' by supporting prudent lending decisions and fostering long-term relationships.

• Promote a Positive Culture: Foster an inclusive, respectful, and growth-oriented workplace that reflects our dedication to continuous improvement and community engagement.

The job duties listed are in no way all encompassing. Other duties, responsibilities, and qualifications may be required and/or assigned, as necessary. This position requires regulatory compliance.

Join our team and become part of a collaborative culture that values professional growth, integrity, and innovation. We offer competitive benefits and opportunities for development in a supportive environment dedicated to excellence in financial services.

Requirements

Education

Bachelor's degree in finance, accounting, economics, or a related field from an accredited college or university, or equivalent work experience.

Experience

3-5 years of credit analysis experience in a banking or financial institution.

Experience underwriting both CRE and C&I loans preferred; CRE will be the primary focus.

Formal credit training or relevant certifications (e.g., RMA, CFA) preferred.

Skills & Competencies

• Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis.

• Knowledge of loan documentation, collateral types, and regulatory requirements.

• Proficiency with credit analysis platforms and Microsoft Office Suite.

• Excellent written and verbal communication skills.

• Ability to work independently and collaboratively within a team.

• Strong organizational skills and attention to detail.

Physical Demands

• Ability to sit for extended periods.

• Frequent use of computer, calculator, and other office equipment.

• Occasional local travel, including driving.

Performance Measures

• Timeliness and accuracy of credit analysis and presentations.

• Improved quality of credit controls and asset quality measures.

• Contribution to team knowledge sharing and process improvement.

• Adherence to regulatory and policy standards.

• Reduction in loan workouts, write-offs, and bank-owned real estate.

FVSBank 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 or protected veteran status.