Credit Analyst

Position Summary

We are seeking a detail-oriented 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.

• 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.

• 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.

At FVSBank, we are committed to upholding our core values and advancing our mission and vision in every aspect of our work.

Embodiment of Core Values
:
Demonstrate teamwork, respect, integrity, accountability, and a commitment to diversity in all interactions with colleagues, clients, and the community.

Mission Support
:
Contribute to the bank’s mission of 'Banking. Made Personal.' by delivering thoughtful and personalized financial analysis.

Vision Advancement
:
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.

Positive Culture Promotion
:
Foster an inclusive, respectful, and growth‑oriented workplace that reflects our dedication to continuous improvement and community engagement.

• 35 years of credit analysis experience in a banking or financial institution.
• Underwriting experience with both CRE and C&I loans preferred; CRE will be the primary focus.
• Formal credit training or relevant certifications (e.g., RMA, CFA) preferred.
• Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis.
• Knowledge 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.

Ability to sit for extended periods. Frequent use of computer, calculator, and other office equipment. Occasional local travel, including driving.

• 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.

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