Credit Analyst
Company: F&M Bank
Location: Timberville
Posted on: February 16, 2026
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Job Description:
Job Description Job Description Description: At F&M Bank,
we're more than a community bank - we're neighbors, partners, and
trusted advisors. With a deep commitment to our local businesses
and communities, we strive to provide exceptional service,
financial expertise, and personalized banking solutions. GROW with
a team where your work matters and your contributions help our
local economies thrive. Position Summary: The Credit Analyst
supports the bank's commercial lending efforts by providing
detailed financial analysis and credit underwriting for commercial
loan requests. This role works closely with Relationship Managers
to assess credit risk and ensure loan structuring in line with the
bank's credit policy. Essential Duties: Analyze financial
statements, tax returns, cash flow statements, and business plans
for new and existing commercial clients. Prepare thorough credit
memorandums with risk ratings, loan structuring recommendations,
and collateral evaluations. Compare liquidity, profitability, and
efficiency ratios of establishments being evaluated with those of
similar establishments in the same industries and geographic
locations. Keep abreast of industry, economic, and market trends
that may impact client creditworthiness. Assist in tracking
lender/loan exceptions and tracks trends for these exceptions to
include tracking collateral. Conduct annual reviews for large
relationships for quality of continued credit. Maintain a solid
understanding of credit policy and regulatory compliance
requirements. Participate in client meetings with lending officers,
as needed, to better understand borrower needs and risks. Hybrid
Position 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. Qualifications: Bachelor’s
degree in Finance, Accounting, Economics, or related field,
preferred. 2 years of experience in commercial credit analysis or
commercial banking required. 5 years of experience in commercial
credit analysis or commercial banking preferred. Strong written and
verbal communication skills. Strong financial and credit analysis
skills with attention to detail. Proficient in Microsoft Excel and
financial spreading software. Knowledge of regulatory guidelines
and lending best practices. Team player with the ability to work
independently and manage multiple priorities meeting deadlines.
Ability to work with and maintain confidential information. Ability
to travel to other bank branch locations or customers’ place of
business. Physical and Mental Demands: 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. 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. The noise level in the
environment is usually moderate. Position Type/Hours: This is a
full-time position generally working Monday – Friday, 8:30 a.m. – 5
p.m. with additional hours as needed to accomplish job
responsibilities.
Keywords: F&M Bank, Tuckahoe , Credit Analyst, Accounting, Auditing , Timberville, Virginia
