Senior Credit Analyst
Senior Credit Analyst Frederick County Bank (FCB) is the largest community bank in Frederick County and offers rewarding career opportunities. We have five Bank Centers in Frederick County, and we look for exceptionally driven professionals who can provide our clients with the best true community banking experience possible. As THE Community Bank for Frederick County, it is our privilege to be able to bring to our clients the combined best of new technology and old-fashioned quality and service. If you are passionate about the banking business and about investing in your future, consider the opportunities at FCB! FCB is currently seeking a community minded, detail oriented, and collaborative banking professional to join our team as a Senior Credit Analyst ! JOB SUMMARY : FCB's Sr. Credit Analyst provides credit analysis support to the Commercial Lending team on loans of all complexity levels to ensure asset quality. Our Sr. Credit Analyst partners with our Commercial Lenders to close deals that enhance portfolio profitability and help make our client's financial dreams a reality. If you like to crunch numbers and be part of the big picture, the opportunity to join Frederick County's largest community bank may be for you! Key Responsibilities & Duties Include, but Not Limited to: Analyzing business and personal financial statements, tax returns, and credit reports to determine risk involved in lending money to clients; prepare report of findings Preparing credit, cash flow, collateral and industry analysis Spreading financial statements and tax returns with PC-based software Generating financial ratios, using computer programs, to evaluate client's financial status Performing and communicating Residential and Commercial appraisal reviews with all levels of management and Commercial Lending team Provide assistance to and mentor Credit Analysts and Junior Credit Analysts Ideal Qualifications and Experience: Fluency with Sageworks or automated spreading software Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data Strong mathematical skills with high degree of accuracy; and, strong analytical skills Strong knowledge of Microsoft Word, Excel, and Outlook Strong organizational and communication skills, both written and verbal Produces work that is highly accurate; demonstrates attention to detail Able to exercise sound judgment and make decisions in a manner consistent with Bank policy, practice, mission, vision, and/or culture Able to interpret and comply with the spirit and intent of all Federal and State regulations, policies, procedures, reports, and/or documents Able to develop strong working relationships and interact in a professional manner with all levels across the organization Willing and able to represent the Bank in community volunteer activities Bachelor's degree with an emphasis in accounting, finance or economics or equivalent combination of education and business or credit-related experience Three to five years of lending and/or banking experience Knowledge, Skills & Abilities: Willing and able to lift and carry 10 lbs. Willing and able to be present in the office during regular business hours unless otherwise authorized Willing and able to work during nonstandard business hours Must have reliable transportation and be willing to travel to all Bank, client event, and training locations. Benefits: Frederick County Bank offers a competitive salary and comprehensive benefits package that includes medical, dental, vision, 401(k), paid vacation and sick leave, tuition reimbursement, and much more.