Credit & Mortgage Analyst

Description

First Bankers Trust Company is offering a fast-paced job opportunity for interested candidates! Apply today to secure a fulfilling career along with these additional perks: 

• Hybrid work schedule
• Comprehensive, value-added career opportunities
• Focus on career development, broad exposures, and learning new things daily
• Opportunities to help others and make a difference in the community
• Opportunities to participate in special interest groups, such as Young Professionals, or one of our Employee Resource Groups
• Competitive full benefits package including medical insurance, HSA with investment options, dental & vision insurance, life insurance, 401K with match, and profit sharing
• Vacation and PTO time reflective of your experience
• Volunteering time off of 12 hours per year
• Access to a library of over 6,000 personal and professional development on-line courses, hosted by Udemy Business
• Participation in our company-wide employee wellness incentive program, and the ability to earn a discount on your next year's premiums

The Credit and Mortgage Analyst position will be responsible for supporting the bank’s commercial, agricultural, and residential credit teams. The successful candidate will be proficient in both disciplines, performing detailed credit analysis for commercial and agricultural loans, while also conducting thorough underwriting of residential mortgage applications. Key responsibilities include preparing annual loan reviews, analyzing borrower information, and ensuring all loans are underwritten in strict accordance with bank, agency, and investor guidelines. This role requires the ability to seamlessly transition between both functions to meet dynamic departmental needs.

Credit Analysis

• Complete accurate and consistent financial statement spreads, trend analyses, covenant tests, stress tests, and collateral reviews in line with credit policies.
• Support portfolio management by tracking approval requirements, monitoring loans, and preparing reports.
• Conduct collateral appraisals on loans under $250K, assess gathered information, and communicate follow-up questions to lenders.
• Execute accurate loan setup in systems and maintain ongoing records.
• Perform annual loan reviews and maintain credit files to meet audit standards.

Mortgage Underwriting

• Review and analyze residential loan applications, credit reports, and financial data to determine underwriting risk.
• Calculate income and debt ratios, ensuring compliance with investor, agency, and bank guidelines.
• Document underwriting decisions and maintain accurate records in the LOS system.
• Support mortgage staff by sharing updates on regulatory or investor changes and assisting with quality control reviews and audits.
• Provide guidance to lenders and operations staff to improve file quality.

Qualifications

• Bachelor’s degree in Business, Accounting, Finance, or related field preferred (Associate’s degree acceptable with equivalent experience).
• 1–3 years of experience in credit analysis, mortgage underwriting, or banking.
• Proficiency in analyzing financial statements and collateral.
• Knowledge of mortgage underwriting standards (Fannie Mae/Freddie Mac/USDA)
• Understanding of credit risk principles and loan structures.
• Strong analytical, organizational, and communication skills.
• Ability to manage multiple priorities, shifting between credit and underwriting as needed.
• Strong attention to detail and accuracy.
• Clear written and verbal communication of credit and underwriting recommendations.
• Ability to work collaboratively with lenders, mortgage staff, and management.
• Proficiency in Microsoft Word, Excel, Outlook, and loan processing/analysis software.
• High level of integrity and confidentiality.

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 : $24 - $30