Senior Commercial Credit Risk Analyst

1 week ago


Chambersburg, Pennsylvania, United States F&M Trust Full time
F&M Trust is seeking a Senior Commercial Credit Analyst to join its Credit Department team. This role offers a hybrid work arrangement and a home office located at either the Corporate location in Chambersburg, PA, or regional headquarters in Harrisburg, PA.

Key Responsibilities:

* Evaluate and determine the credit risks of commercial credits of high dollar and complexity through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service.

* The typical size of individual deals and/or aggregate relationships will normally fall within the $5-30MM range and be primarily comprised of commercial real estate (CRE) including land development, residential apartment construction, multi-family homes, hotels, and strip centers.

* Seasoned credit analysts can also flex their leadership skills by mentoring more junior credit analysts within the bank.

Benefits and Compensation:

* Salary commensurate with experience and qualifications

* 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

Minimum Qualifications:

* Bachelor's degree with an emphasis in accounting, finance, or economics; or ability to convey an 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.

F&M Trust is an Equal Opportunity Employer - M/F/Disability/Vet/SO

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