Credit Analyst III

First Bankers Trust Company is seeking a highly skilled and detail-oriented Credit Analyst to support agricultural and commercial lending through comprehensive credit analysis and risk assessment.

Why Join Our Team?

We offer a competitive benefits package designed to support our employees’ health, financial security, and work-life balance, including:

• Medical, dental, and vision insurance
• Employer-sponsored retirement plan with company match and profit sharing
• Paid time off, paid holidays, and additional leave benefits
• 12 hours of volunteering time off per year to help make a difference in your community
• Life and disability insurance
• Employee wellness and assistance programs
• Professional development and growth opportunities
• Opportunity to participate in special interest groups, such as Young Professionals, or one of our Employee Resource Groups

The Credit Analyst III is responsible for conducting in-depth credit analyses of ag and commercial loan applications to assess creditworthiness and recommend appropriate loan terms. This role requires a strong understanding of financial analysis, risk assessment, and industry trends. The analyst will utilize various data sources, including financial statements, collateral appraisals, credit scores, and cash flow analysis to evaluate loan applications and prepare comprehensive credit memos. This position works closely with the bank’s agricultural and commercial loan officers, as well as other members of the credit department.

• Collects, reviews, and analyzes financial data from ag and commercial loan applicants, including financial statements, tax returns, and business plans.
• Performs detailed financial analysis, including ratio analysis, cash flow analysis, and debt service coverage ratio calculations to assess borrower's creditworthiness and repayment capacity.
• Evaluates collateral and conducts industry analysis to determine the overall credit risk associated with the loan application.
• May serve as the main analyst for specific agricultural or commercial portfolios
• Prepares comprehensive credit memos, including key financial ratios, supporting documentation, covenants, executive summaries, and objective loan recommendations.
• Presents credit memos to loan officers and loan committees, clearly articulating credit risks and recommendations.
• Stays current on industry trends, economic conditions, and regulatory changes that may impact credit risk.
• Completes annual reviews; to include site and farm visits, documentation related to visits, and ongoing portfolio monitoring.
• Responds to complicated inquiries or challenging spreads when more in-depth and knowledgeable assistance as needed.
• Collaborates with loan officers and other departments to ensure timely and accurate credit analysis.
• May participate in special projects or assignments as required.
• Performs other duties and projects as assigned and requested.

• Bachelor's degree in Finance, Accounting, or related field.
• Minimum of 7-10 years of credit analysis experience in the ag and commercial lending industry.
• Ability to execute objectives and projects independently with general oversight
• Ability to address complex job related/technical issues and problems
• Strong analytical and problem-solving skills.
• Proficiency in financial analysis and modeling techniques.
• Excellent written and verbal communication skills.
• Attention to detail and accuracy.
• Ability to work independently and as part of a team.
• Ability to thrive in a fast paced environment and multi-task daily job duties
• Proficient in relevant software applications (e.g., financial analysis software, loan origination systems).

Our values reflect our culture:  Everyone is Valued, Do The Right Thing, Friendly Family, & Fun, Dream Big/Act Small, Accountability, Innovation

When you choose to become a part of the team at First Bankers, you are getting more than a job. What comes along with the daily work is making a difference in other people's lives, working closely with teammates who are people you enjoy, contributing to a bigger picture, balancing work and home commitments, and developing yourself and your career.  If that sounds like a good deal to you, apply for a position today.

Work Environment

This position typically works in a professional office setting. While performing the duties of this Job, the employee is regularly required to stand, move from one point to another, and use hands to manipulate, handle, or feel. The employee is frequently required to reach with hands and arms, speak, and hear. The employee will occasionally sit, stoop, lift, kneel, or crouch in the course of completing their job. The employee must occasionally lift and/or move up to 25 pounds. 

The salary range provided in this job posting represents what the company reasonably expects to pay for the position based on the minimum qualification requirements included at the time of posting. Actual compensation may vary based on factors including, but not limited to, individual experience, education, and skill level.

First Bankers Trust Company is an equal opportunity employer and supports diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position.

Salary : $67,000 - $95,000