Credit Analyst​/Senior Credit Analyst

Position Summary

The Credit Analyst is responsible for analyzing and underwriting complex commercial credit requests, including commercial and industrial (C&I) and commercial real estate (CRE) loans. This role evaluates borrower financial performance, creditworthiness, and collateral to assess risk and support sound lending decisions. The Credit Analyst prepares thorough credit analysis and documentation, supports ongoing portfolio monitoring, and works closely with lenders, Loan Servicing, and bank leadership.

By delivering timely, accurate, and well-supported credit recommendations, this position plays a key role in maintaining the quality, profitability, and safety of the bank’s loan portfolio.

• Bachelor’s degree in finance, accounting, business, or related field preferred.
• 3–5 years of experience in commercial credit analysis and loan underwriting within a financial institution, or equivalent experience in loan review, auditing, or financial analysis.
• Strong understanding of C&I and CRE credit structures, cash flow analysis, and collateral evaluation.
• Proficiency in Microsoft Office products, including Excel and Word.
• Familiarity with banking regulations, credit policy, and internal risk rating systems preferred.

• Underwrite complex C&I and CRE credit requests presented by lenders.
• Analyze borrower financial statements, cash flow, credit history, and collateral to determine credit risk and repayment capacity.
• Examine, evaluate, and recommend appropriate risk ratings and loan decisions based on analysis.
• Prepare Deal Concept Memos, underwriting narratives, and Term Sheets or Commitment Letters (with lender assistance).
• Notify Loan Servicing when loan requests have been decisioned to facilitate documentation and booking.
• Perform annual reviews and ongoing monitoring for complex commercial loan relationships.
• Maintain and monitor borrowing base certificates for C&I lines of credit secured by accounts receivable and/or inventory.
• Work directly with lenders and borrowers to obtain current financial statements, borrowing base reports, and required documentation.
• Assist the Director of Lending with portfolio analysis and stress testing of the commercial loan portfolio.
• Ensure timely completion of underwriting packages in accordance with internal policies and regulatory expectations.
• Support training and mentoring of lending and credit staff related to underwriting standards, credit analysis, and risk management.
• Participate in process improvement initiatives to enhance credit quality, efficiency, and consistency.
• Perform other duties as assigned.

• Strong analytical and critical-thinking skills with the ability to synthesize complex financial information.
• Sound judgment and attention to detail in evaluating credit risk.
• Ability to identify issues, develop alternatives, and recommend appropriate solutions.
• Effective written and verbal communication skills.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines.
• Adaptability in a dynamic banking environment with competing demands.
• Collaborative team player who works effectively with lenders, Loan Servicing, and leadership.
• Business-oriented mindset with an understanding of profitability, market conditions, and strategic goals.

• Must be able to lift and carry up to 10 pounds.
• Some travel to branch or offsite locations may be required.
• Ability to sit, stand, and operate a computer for extended periods of time.
• Must comply with all bank policies, procedures, and regulatory requirements.
• Maintain a professional appearance and demeanor.
• Demonstrate confidentiality, integrity, and sound judgment in all interactions.
• Must be able to work evenings and weekends as business needs dictate.

At First National Bank (FNB), we’re more than just a place to work—we’re a locally-owned community bank deeply invested in the success of our neighbors. Headquartered in Williamson, WV, we blend the tradition of a Hometown Community Bank with the convenience of modern services to help our clients take control of their finances. If you’re passionate about making a real impact, we…