Credit Analyst III

Join Our Dynamic Team as a Credit Analyst at First Bankers Trust Company!

Are you an experienced Credit Analyst looking for an exciting opportunity to advance your career? First Bankers Trust Company is seeking a talented Credit Analyst III to join our fast-paced, growth-focused team. Based in either Quincy or O'Fallon, this position offers the flexibility of a hybrid work schedule, allowing you to balance work and life effectively.

As a Credit Analyst III, you will play a crucial role in our organization by:

• Collecting, reviewing, and analyzing financial data from agricultural and commercial loan applicants, including financial statements, tax returns, and business plans.
• Performing detailed financial analysis, such as ratio analysis, cash flow analysis, and debt service coverage ratio calculations, to assess borrowers' creditworthiness and repayment capacity.
• Evaluating collateral and conducting industry analysis to determine the overall credit risk associated with loan applications.
• Serving as the main analyst for specific agricultural or commercial portfolios.
• Preparing comprehensive credit memos, including key financial ratios, supporting documentation, covenants, executive summaries, and objective loan recommendations.
• Presenting credit memos to loan officers and loan committees, clearly articulating credit risks and recommendations.
• Staying current on industry trends, economic conditions, and regulatory changes that may impact credit risk.
• Completing annual reviews, including site and farm visits, documentation related to visits, and ongoing portfolio monitoring.
• Responding to complicated inquiries or challenging spreads when more in-depth and knowledgeable assistance is needed.
• Collaborating with loan officers and other departments to ensure timely and accurate credit analysis.
• Participating in special projects or assignments as required.
• Performing other duties and projects as assigned and requested.

Why First Bankers Trust Company?

• Innovative Environment: Be part of a team that values curiosity and forward-thinking solutions.
• Collaborative Culture: Work alongside talented professionals who are committed to excellence.
• Growth Opportunities: Play a key role in our growth and enjoy opportunities for professional development.
• Flexible Work Arrangements: Benefit from a hybrid schedule that supports your work-life balance.

Take the next step in your career and join us at First Bankers Trust Company. Apply today and become a vital part of our journey towards success!

• Educational Background: Bachelor's degree in Finance, Accounting, or a related field.
• Experience: Minimum of 7-10 years of credit analysis experience in the agricultural and commercial lending industry.
• Independence: Proven ability to execute objectives and projects independently with general oversight.
• Problem-Solving: Strong analytical and problem-solving skills to address complex job-related and technical issues.
• Technical Proficiency: Expertise in financial analysis and modeling techniques.
• Communication: Excellent written and verbal communication skills.
• Attention to Detail: High level of accuracy and attention to detail.
• Teamwork: Ability to work independently and collaboratively as part of a team.
• Adaptability: Thrive in a fast-paced environment and effectively manage multiple daily job duties.
• Software Skills: Proficiency in relevant software applications (e.g., financial analysis software, loan origination systems).

Work Environment: This position typically operates in a professional office setting. It requires the ability to sit for extended periods, use computer equipment, and communicate effectively with colleagues and clients.

Equal Opportunity Employer: First Bankers Trust Company is committed to diversity in the workplace. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to applicants who meet the qualifications and align closely with the requirements of the position.

Compensation: The salary range provided in this job posting represents what the company reasonably expects to pay for the position based on the minimum qualification requirements included at the time of posting. Actual compensation may vary based on factors including, but not limited to, individual experience, education, and skill level.