Job Abstract

ABOUT THE ROLE

F&M Trust is looking to hire an experienced Commercial Credit Analyst, which will be located at either our Corporate location in Chambersburg, PA, or regional headquarters located in Harrisburg, PA (dependent upon proximity of residence to closest location). This Credit Analyst will be responsible for evaluating and determining the credit risks of commercial credits of high dollar and complexity through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service. Seasoned credit analysts also have the ability to flex their leadership skills through the mentoring of more junior credit analysts within the bank.

The successful candidate will receive a salary commensurate on experience and comprehensive benefits package.

A hybrid working arrangement is available after a satisfactory introductory period and successful demonstration of key accountabilities.

COMPREHENSIVE BENEFITS INCLUDE

• Medical, Dental, and Vision Insurance
• Pay-for-Performance (Bonus) Earning Potential
• Paid Time Off and 11 Paid Bank Holidays
• 401(k) with up to a 6% Match
• Paid Life Insurance, Short-term Disability, and Long-term Disability
• Ongoing Training and Advancement Opportunities
• And much more!

MINIMUM QUALIFICATIONS

• Bachelor's degree with an emphasis in accounting, finance, or economics; or ability to convey an in-depth knowledge and understanding of business financial statements and personal financial statements and tax returns.
• One (1) or more years of commercial credit underwriting experience. In lieu of this experience, may consider someone with two (2) or more years of corporate tax accounting experience.
• Ability to identify and analyze trends, strengths, and risks in financials, industries, and geographies.
• Possesses effective verbal and written communication skills.

If this is something that raises any interest and you have the minimum qualifications and drive to excel in an analytical role, we encourage you to complete an employment application. We'll be in contact with the most qualified applicants who meet our hiring criteria in the upcoming weeks to get interviews started.

COMPARABLE JOB TITLES

To help our job title resonate with you, other financial institutions may title their positions like the following: Jr. Credit Analyst, Senior Credit Analyst, Credit Underwriter, Risk Analyst, Financial Analyst, and Commercial Credit Analyst. Experienced Commercial Credit Analysts have the potential to be considered for higher Credit Analyst levels already established within the bank.

F&M Trust is an Equal Opportunity Employer - M/F/Disability/Vet/SO