First National Bank was founded almost 150 years ago in 1875.

We are committed to being your “Bank of a Lifetime”

Job Title: Jr. Credit Analyst

Reporting Structure: Credit Analyst

Status: Salary/ Exempt

Essential Job Functions:

The role of the Jr. Credit Analyst is to evaluate a client’s credit data and financial statements in order to determine the degree of risk involved in lending them money.

Job Summary:

• Analyze tax returns and financials for lending team.
• Prepare annual reviews on existing commercial customers.
• Spread financials on new projects given by commercial officers and put together a credit presentation for the proposed loan.
• Prepare monthly and quarterly reports.
• Complete all verifications on deposits.
• Update ticklers as financials come in and pull tickler report for financials and annual reviews due each month and e-mail to officers.
• Prepare loan files for internal and external auditors.
• Other Duties as assigned

Risk Management

• Ensure compliance with security and audit procedures
• Adhere to all applicable policies and procedures

Preferred Skills/Traits: Must have a strong background in accounting and familiarity with loan documents. Strong attention to detail and ability to work in a fast-paced environment. Financial Services experience. Strong analytical skills. Organizational skills and communication skills. Ability to work in MS Office Products.

Physical Requirements: This position requires a high degree of mobility. May be subject to prolonged sitting/standing, frequent use of hands and upper body to manipulate/grasp objects/branch equipment, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, infrequent lifting of 1 – 30 lbs.

Benefits: First National Bank offers a competitive wage and benefits. Our full-time employee benefits include: 401k with company match, Medical/Prescription coverage, HSA option, Vision and Dental options, Life insurance options including a company paid life insurance, Short and Long term disability, paid holidays, PTO, tuition reimbursement, and Wellness programs with financial incentives.

First National Bank is an Equal Opportunity Employer committed to our local communities.