Credit Analyst

To use all information in creating a clear picture of the customer’s financial position. This is vital to the Lenders; it allows them to make well informed decisions before entering into a lending relationship with the customer.

ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:

• Compose analysis based on historic, projected, and stressed financial information. This analysis will clearly illustrate the customer’s ability to re-pay the requested amount, and is accomplished by creating cash flow statements for each participant and writing an analysis of their performance over the past three (3) years.


• Project the customer’s performance for the next year by using customer prepared projections, analyst prepared projections, or a combination thereof.


• Effectively communicate with the lenders to clearly understand all factors contributing to the loan request.


• Generate questions to the lender for the purpose of completing the credit presentation, accuracy of cash flow, and to resolve any other discrepancies in the underwriting.


• Translate and interpret financial data from tax returns, compilations, reviews, and audited statements; personal statements; and other financial statements to create spreads utilizing WebEquity software.


• Access Kroll Factual Data to obtain and analyze Tri-Merge Credit Bureau reports on individual participants in the request


• Utilize web sources, such as the Ohio Secretary of State or the Mahoning County Auditor to retrieve other necessary information


• Access Fiserv/Viewpoint to research the customer’s complete deposit and loan relationship with the Bank


• Recognize the level of analysis that is appropriate for the request


• Retrieve industry information through First Research and demographic information through SNL financial via the Internet.


• Perform reviews for Special Assets’ commercial relationships


• Establish/organize all loan information in credit file


• Attend meetings with lenders and clients as needed


• Accurately risk grade borrowers, co-borrowers, and guarantors


• Ensure proper aggregate exposure and coding of credit facilities, both new and existing


• Review appraisals and environmental reports to ensure accurate collateral analysis


• Understand various business entities structures and required documents needed for verification


• Understand and apply credit policies and procedures


• Attend and participate in weekly staff meetings and training

• Special projects assigned by Commercial Credit Manager as needed

• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations

• Regular, predictable attendance is an essential requirement of this position

 EDUCATION and/or EXPERIENCE:

• Bachelor’s degree (BA) in Accounting or Finance from four (4) year college or university


• Minimum of one (1) year commercial credit analyst experience


• Strong background in working with financial statement and advanced understanding of the information available on financial statement and how they related to the customer’s business operations and ability to repay loan.


• Knowledge of Word, Excel, and Outlook and Internet navigation/research is expected


• Ability to clearly and effectively communicate both verbally and in writing

E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.

Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran