The Senior Credit Analyst primarily provides financial spreading and administrative tasks related to all types of commercial loan underwriting. Routinely completes credit analyses on the most complex and largest loan transactions and provides recommendations on the extension of credit to the loan officer, Chief Credit Officer or Bank Loan Committee. May provide assistance and training to lower-level credit analysts.

Essential Duties:

• Analyzes financial statements and tax returns for personal and corporate borrowers.
• Generates credit analysis reports to evaluate customers' financial status.
• Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money and makes recommendation for extending credit.
• Analyzes financial data such as income growth, quality of management, and market share.
• Prepares reports that include the degree of risk involved in extending credit or lending money.
• Performs credit analysis and completes credit memos and submits to Loan Officer and/or Chief Credit

Officer for approval prior to submission to loan committee.

• Compares liquidity, profitability, and efficiency ratios of establishments being evaluated with those of

similar establishments in the same industries and geographic locations.

• Performs commercial appraisal reviews.
• Manages the completion of annual relationship reviews for quality of continued credit.
• Other tasks as delegated by Chief Credit Officer

Supervisory Responsibilities:

None

Other Duties:

This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may

change at any time with or without notice.

Bank wide Expectations:

• Stays current, maintains knowledge of, and complies with all F & M products and services and policies and procedures.
• Maintains organized files and a neat and orderly work area and secures all negotiable and/or confidential records.

Sr. Credit Analyst – Page 2

• Protects the bank's and customers' information; knowledge of customers and their relationship with the Bank must be kept in absolute confidence.
• Displays a positive, cooperative spirit; professionalism; and a responsible attitude to staff and customers always.
• Leads by example while being a team player.
• Participates in Bank-sponsored and other community/civic events as schedule allows.
• Represents F & M Bank professionally and courteously while in contact with the public either in

person or by telephone.

• Pursues personal development opportunities to improve knowledge as it relates to position,

compliance, and the bank in general.

Qualification Requirements:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The

requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge, Skills, and Abilities

• Ability to communicate effectively orally and/or in writing.
• Ability to read, analyze, and interpret complex financial documents.
• Ability to respond to sensitive inquiries.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to perform duties using credit analysis software.
• Ability to prioritize and meet deadlines.
• Ability to work with limited supervision.
• Ability to work with and maintain confidential information.
• Ability to lead and develop a diverse group of subordinates.
• Ability to supervise others ensuring work is completed.
• Ability to delegate work to subordinates.
• Possess effective interpersonal skills to relate to customers and employees.
• Proficient organizational skills with ability to function in a flexible work environment.
• Proficient skills in MS Excel, Outlook, and Word.

Education and/or Experience (Required and Preferred)

• A Bachelor’s Degree in Accounting, Business Administration, Finance, or other related field.
• Three – five years related experience or equivalent combination of education and experience.

Certificates, Licenses, and Registrations:

• Current driver’s license to travel to other bank branch locations or customers’ place of business.

Physical and Mental Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls.
• The employee frequently is required to talk or hear.
• The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch.

Sr. Credit Analyst – Page 3

• The employee must regularly lift and/or move up to 10 pounds.
• Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and

the ability to adjust focus.

Work Environment:

• This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
• The work is performed primarily in an office setting.
• The noise level in the environment is usually moderate.

Position Type/Hours:

This is a full-time, exempt level position working Monday – Friday with other days and hours as necessary to

accomplish duties.

Travel:

Travel is primarily within the Bank’s market areas during the business day with occasional out-of-area travel for

continuing educational opportunities.