Credit Analyst

Join FARMERS AND MERCHANTS BANK as a Full-Time Credit Analyst and embrace the excitement of working in a dynamic financial environment. You will play a key role in assessing credit risk, developing financial insights, and contributing to the decision-making processes that shape our lending strategies. The opportunity to collaborate with a team of dedicated professionals who value integrity and problem-solving is both stimulating and rewarding. You will be offered great benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, and Competitive Salary. If you are ready to make a meaningful impact in the banking industry while enjoying a relaxed yet professional culture, we invite you to explore this opportunity.

This position may be located in the following locations: Fayetteville, AR; Stuttgart, AR; Mountain Home, AR; Jonesboro, AR; Pocahontas, AR; Morrilton, AR; Perryville, AR; Bentonville, AR

Let us introduce ourselves

Welcome to Farmers & Merchants Bank and The Bank of Fayetteville. Our bank culture is driven by a Mission Statement to improve the well-being and promote the success of our employees and customers by treating all with dignity, respect, and compassion. We envision being the best company our employees ever work for and the best bank our customers ever do business with as we serve unique communities across the State of Arkansas.

Your day as a Credit Analyst

As a Full-Time Credit Analyst at FARMERS AND MERCHANTS BANK, you can expect a structured yet engaging workweek. Your schedule will typically be Monday to Friday, from 8 AM to 5 PM. Daily responsibilities will include analyzing credit applications, reviewing financial statements, and assessing risk factors to determine creditworthiness.

You will prepare detailed reports and present findings to senior management to aid in decision-making. Collaborating closely with team members, you will also engage in discussions around lending policies and procedures, ensuring compliance with industry standards. Additionally, you may conduct client interviews to gather necessary information and clarify financial data.

As you grow in this role, you will gain valuable insights into the banking sector while contributing to the overall financial health of our clients and the bank.

Requirements for this Credit Analyst job

To thrive as a Full-Time Credit Analyst at FARMERS AND MERCHANTS BANK, several key skills are essential. Strong analytical skills are crucial, as you will need to interpret complex financial data and assess various risk factors accurately. Attention to detail is imperative, enabling you to identify discrepancies and ensure precision in your analyses and reports. Excellent communication skills are necessary for effectively presenting your findings and collaborating with team members and management. Problem-solving abilities will also play a significant role in navigating challenges and making informed recommendations.

Additionally, a keen understanding of financial principles and a proactive approach to learning will help you adapt and excel in this fast-paced environment. Being organized and capable of managing multiple tasks will ensure you meet deadlines and maintain high-quality work standards. These skills will be your foundation for success in this vital role within our organization.

Education: College degree with a major or minor in accounting or finance. Prefer some tax education or experience. CPA Certificate preferred but not required.
College students graduating in May 2026 may also apply.
Experience General: 12 to 18 months related experience and/or training.
Or equivalent combination of education and experience.

Join us!

So, what do you think? If you feel this is the right job for you, go ahead and apply! We look forward to meeting you!