What are the responsibilities and job description for the Credit Analyst position at FVSBank?
JOB REQUIREMENTS: Position Summary We are seeking a detail-oriented and
experienced Credit Analyst to join our dynamic banking team. This role
offers an excellent opportunity to contribute to sound lending decisions
and effective risk management by conducting comprehensive financial and
credit analyses on a variety of loan requests. The ideal candidate will
bring a strong background in credit analysis, with a primary focus on
commercial real estate (CRE) and exposure to commercial and industrial
(C&I) lending, supporting our commitment to responsible and strategic
Growth. Primary Responsibilities Analyze And Prepare Financial Summaries
and credit presentations for new, renewed, and extended loans, with a
focus on CRE but including C&I transactions as needed. Conduct in-depth
reviews of borrower financial statements, tax returns, and cash flow
models using advanced spreadsheet and credit analysis software. Assess
creditworthiness by evaluating liquidity, management quality, market
position, collateral, and overall business climate. Prepare and present
objective credit recommendations to the Credit Analyst Manager and
participate in loan committee discussions as needed. Ensure all credit
analyses and loan structures comply with bank policies, regulatory
requirements, and industry best practices. Monitor existing credit
relationships for early identification of adverse trends and recommend
appropriate actions. Collaborate with commercial lenders, relationship
managers, and other departments to support business development and
portfolio management. Assist in the ongoing enhancement of credit
policies, procedures, and risk management practices. Stay current with
regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting
credit risk and underwriting. Secondary Responsibilities Support the
evaluation and implementation of new credit analysis systems and
technology. Contribute to process improvement initiatives and support
new business or technology projects. Participate in training and
knowledge-sharing within the credit team. Perform other duties as
assigned. Alignment with Bank\'s Core Values, Mission, and Vision At
FVSBank, we are committed to upholding our core values and advancing our
mission and vision in every aspect of our work. As a Credit Analyst, you
are expected to: Embody the Bank\'s Core Values: Demonstrate teamwork,
respect, integrity, accountability, and a commitment to diversity in all
interactions with colleagues, clients, and the community. Support the
Mission: Contribute to the bank\'s mission of \'Banking. Made
Personal.\' by delivering thoughtful and personalized financial
analysis. Advance the Vision: Help realize our vision \'To be the
trusted lifetime financial partner of our customers, communities, and
employees\' by supporting prudent lending decisions and fostering
long-term relationships. Promote a Positive Culture: Foster an
inclusive, respectful, and growth-oriented workplace that reflects our
dedication to continuous improvement and community engagement. The job
duties listed are in no way all encompassing. Other duties,
Responsibilities, And Qualifications May Be Required And/or Assigned, As
necessary. This position requires regulatory compliance. Join our team
and become part of a collaborative culture that values professional
growth, integrity, and innovation. We offer competitive benefits and
opportunities for development in a supportive environment dedicated to
excellence in financial services. \*\*\*\*\* OTHER EXPERIENCE AND
QUALIFICATIONS: Experience 35 years of credit analysis experience in a
banking or financial institution. Experience underwriting both CRE and
C&I loans preferred; CRE will be the primary focus. Formal credit
training or relevant certifications (e.g., RMA, CFA) preferred. Skills &
Competencies Strong analytical and synthesis skills with advanced
proficiency in financial modeling and spreadsheet analysis. Knowled e of
loan documentation, collateral types, and regulatory requirements.
Proficiency with credit analysis platforms and Microsoft Office Suite.
Excellent written and verbal communication skills. Ability to work
independently and collaboratively within a team. Strong organizational
skills and attention to detail. Physical Demands Ability to sit for
extended periods. Frequent use of computer, calculator, and other office
equipment. Occasional local travel, including driving. Performance
Measures Timeliness and accuracy of credit analysis and presentations.
Improved quality of credit controls and asset quality measures.
Contribution to team knowledge sharing and process improvement.
Adherence to regulatory and policy standards. Reduction in loan
workouts, write-offs, and bank-owned real estate. FVSBank is an Equal
Opportunity employer. All qualified applicants will receive
consideration for employment without regard to race, color, religion,
sex, national origin, disability, gender identity, sexual orientation or
protected veteran status. \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply
Online: www.fvsbank.com/about-us/careers.html
experienced Credit Analyst to join our dynamic banking team. This role
offers an excellent opportunity to contribute to sound lending decisions
and effective risk management by conducting comprehensive financial and
credit analyses on a variety of loan requests. The ideal candidate will
bring a strong background in credit analysis, with a primary focus on
commercial real estate (CRE) and exposure to commercial and industrial
(C&I) lending, supporting our commitment to responsible and strategic
Growth. Primary Responsibilities Analyze And Prepare Financial Summaries
and credit presentations for new, renewed, and extended loans, with a
focus on CRE but including C&I transactions as needed. Conduct in-depth
reviews of borrower financial statements, tax returns, and cash flow
models using advanced spreadsheet and credit analysis software. Assess
creditworthiness by evaluating liquidity, management quality, market
position, collateral, and overall business climate. Prepare and present
objective credit recommendations to the Credit Analyst Manager and
participate in loan committee discussions as needed. Ensure all credit
analyses and loan structures comply with bank policies, regulatory
requirements, and industry best practices. Monitor existing credit
relationships for early identification of adverse trends and recommend
appropriate actions. Collaborate with commercial lenders, relationship
managers, and other departments to support business development and
portfolio management. Assist in the ongoing enhancement of credit
policies, procedures, and risk management practices. Stay current with
regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting
credit risk and underwriting. Secondary Responsibilities Support the
evaluation and implementation of new credit analysis systems and
technology. Contribute to process improvement initiatives and support
new business or technology projects. Participate in training and
knowledge-sharing within the credit team. Perform other duties as
assigned. Alignment with Bank\'s Core Values, Mission, and Vision At
FVSBank, we are committed to upholding our core values and advancing our
mission and vision in every aspect of our work. As a Credit Analyst, you
are expected to: Embody the Bank\'s Core Values: Demonstrate teamwork,
respect, integrity, accountability, and a commitment to diversity in all
interactions with colleagues, clients, and the community. Support the
Mission: Contribute to the bank\'s mission of \'Banking. Made
Personal.\' by delivering thoughtful and personalized financial
analysis. Advance the Vision: Help realize our vision \'To be the
trusted lifetime financial partner of our customers, communities, and
employees\' by supporting prudent lending decisions and fostering
long-term relationships. Promote a Positive Culture: Foster an
inclusive, respectful, and growth-oriented workplace that reflects our
dedication to continuous improvement and community engagement. The job
duties listed are in no way all encompassing. Other duties,
Responsibilities, And Qualifications May Be Required And/or Assigned, As
necessary. This position requires regulatory compliance. Join our team
and become part of a collaborative culture that values professional
growth, integrity, and innovation. We offer competitive benefits and
opportunities for development in a supportive environment dedicated to
excellence in financial services. \*\*\*\*\* OTHER EXPERIENCE AND
QUALIFICATIONS: Experience 35 years of credit analysis experience in a
banking or financial institution. Experience underwriting both CRE and
C&I loans preferred; CRE will be the primary focus. Formal credit
training or relevant certifications (e.g., RMA, CFA) preferred. Skills &
Competencies Strong analytical and synthesis skills with advanced
proficiency in financial modeling and spreadsheet analysis. Knowled e of
loan documentation, collateral types, and regulatory requirements.
Proficiency with credit analysis platforms and Microsoft Office Suite.
Excellent written and verbal communication skills. Ability to work
independently and collaboratively within a team. Strong organizational
skills and attention to detail. Physical Demands Ability to sit for
extended periods. Frequent use of computer, calculator, and other office
equipment. Occasional local travel, including driving. Performance
Measures Timeliness and accuracy of credit analysis and presentations.
Improved quality of credit controls and asset quality measures.
Contribution to team knowledge sharing and process improvement.
Adherence to regulatory and policy standards. Reduction in loan
workouts, write-offs, and bank-owned real estate. FVSBank is an Equal
Opportunity employer. All qualified applicants will receive
consideration for employment without regard to race, color, religion,
sex, national origin, disability, gender identity, sexual orientation or
protected veteran status. \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply
Online: www.fvsbank.com/about-us/careers.html