Commercial Credit Analyst

F&M Trust is looking for an analytical and detail-oriented professional to join our Commercial Credit Department as a Commercial Credit Analyst.

This opportunity may be a great fit for someone beginning a career in commercial banking or for an experienced credit professional ready to take the next step. The selected candidate's experience, knowledge, and qualifications will help determine the appropriate Credit Analyst level.

This position will preferably be located at our Corporate Headquarters in Chambersburg, Pennsylvania. However, we may consider locating the position at our Regional Headquarters in Harrisburg, Pennsylvania, depending on the selected candidate's experience and proximity to either location.

As a Commercial Credit Analyst, you will support sound lending decisions by evaluating the financial condition and creditworthiness of prospective and existing commercial borrowers. You will work closely with Relationship Managers and other members of the Commercial Credit Department to identify the strengths and risks associated with commercial credit requests.

Your responsibilities will include:

• →Analyzing business and personal financial statements, tax returns, cash flow, collateral, and other financial information
• →Preparing clear, accurate, and timely commercial credit analyses for Relationship Managers and loan approval discussions
• →Evaluating a borrower's ability to repay debt and identifying financial trends, strengths, and potential risks
• →Researching industries, market conditions, geographic factors, and relevant financial benchmarks
• →Reviewing commercial loan relationships, including loan exposure, deposit balances, collateral, and required financial covenants
• →Collaborating with Relationship Managers to support appropriate credit structures and risk ratings
• →Maintaining an understanding of the bank's Commercial Loan Policy and applicable compliance requirements
• →Occasionally accompanying Relationship Managers on customer visits
• →Completing ongoing training and professional development opportunities

Experienced analysts may also have opportunities to work with larger or more complex commercial relationships and help mentor developing Credit Analysts.

We are open to candidates at different stages of their careers.

You may be a strong fit if you have:

• A bachelor's degree with an emphasis in accounting, finance, economics, business, or a related field
• Coursework, internship experience, or practical knowledge involving financial statements, accounting, lending, or financial analysis
• Strong analytical, mathematical, organizational, and problem-solving skills
• The ability to communicate financial information clearly in writing and conversation
• A high degree of accuracy and attention to detail
• The initiative and willingness to develop commercial credit and banking knowledge through training and mentorship

In addition to the qualifications above, experienced candidates may have:

• Commercial credit analysis, commercial loan underwriting, business banking, lending, or related financial analysis experience
• Experience analyzing business financial statements, personal financial statements, tax returns, cash flow, collateral, and debt-service capacity
• Experience working with complex ownership structures or different types of business entities
• Knowledge of commercial loan policies, credit risk ratings, loan covenants, and underwriting practices
• Corporate tax accounting experience that provides a strong foundation for commercial financial analysis

Equivalent combinations of education and relevant business, accounting, banking, or credit experience may be considered.

F&M Trust offers a comprehensive benefits package designed to support employees professionally, financially, and personally. Benefits include:

• Medical, dental, and vision insurance
• Pay-for-performance bonus earning potential
• Paid time off
• 11 paid bank holidays
• 401(k) plan with up to a 6% employer match
• Employer-paid life insurance
• Short-term and long-term disability coverage
• Ongoing training and professional development
• Opportunities for career growth and advancement

• Employment type: Full-time
• Preferred location: Chambersburg, PA
• Alternate location: Harrisburg, PA, depending on the selected candidate's experience and proximity
• Experience level: Entry level through experienced
• Compensation: Commensurate with experience and the Credit Analyst level at which the candidate is hired

If you are interested in building or continuing a career in commercial banking and enjoy analyzing financial information, identifying risk, and helping support responsible lending decisions, we encourage you to apply.