Senior Commercial Credit Strategist
1 week ago
F&M Trust is seeking a seasoned Senior Commercial Credit Analyst to join the Credit Department team. The successful candidate will have the option of a hybrid work arrangement paired with a home office located at either our Corporate location in Chambersburg, PA, or regional headquarters in Harrisburg, PA.
This strategic role involves evaluating and determining credit risks for commercial credits of high dollar and complexity through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and ability to repay annual debt service.
The typical size of individual deals and/or aggregate relationships will normally fall within the $5-30MM range, primarily comprised of commercial real estate (CRE) including land development, residential apartment construction, multi-family homes, hotels, and strip centers; experience with C&I lending and/or government/fund accounting is beneficial.
As a seasoned credit analyst, you can also flex your leadership skills by mentoring more junior credit analysts within the bank.
Compensation Package
- A competitive salary commensurate with experience and qualifications: $90,000 - $120,000 per year
- Pay-for-Performance (Bonus) Earning Potential
- Medical, Dental, and Vision Insurance
- Paid Time Off and 11 Paid Bank Holidays
- 401(k) with up to a 6% Match
- Paid Life Insurance, Short-term Disability, and Long-term Disability
- Ongoing Training and Advancement Opportunities
Requirements
- Bachelor's degree with an emphasis in accounting, finance, or economics; or ability to convey in-depth knowledge and understanding of business financial statements and personal financial statements and tax returns.
- Five (5) or more years of current or very recent commercial credit underwriting experience as described above.
- Ability to identify and analyze trends, strengths, and risks in financials, industries, and geographies.
- Possesses effective verbal and written communication skills.
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