POSITION SUMMARY:

The First Bank and Trust Company is seeking a Credit Analyst to be located in Roanoke, VA or Christiansburg, VA to support the bank’s commercial lending activities and to assist in contributing to the overall credit quality of the bank. The Credit Analyst will be responsible for the thorough credit analysis of commercial loan requests and all relevant financial information and for assessing the credit-worthiness of commercial loan requests. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of commercial loan requests for use in the making of lending decisions.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment.
• The candidate must also have strong computer skills, including Microsoft Word and Excel.
• Other responsibilities as assigned.

Minimum Education, Experience, and Knowledge:

• Bachelor's degree - Accounting, Business, Finance and/or Economics (with sufficient credits in Accounting)
• Work experience in credit analysis and/or financial accounting is preferred
• 2-5 years banking experience

Minimum Skills and Abilities:

• Observe the highest degree of confidentiality in handling of information
• Excellent communication skills, both written and verbal.
• Working knowledge of Word and Excel
• Strong leadership and interpersonal skills.
• Math and accounting skills
• Ability to work within prescribed time frames
• Able to provide positive guidance regarding regulatory requirements to other personnel
• Self-starter able to work without constant supervision.

COMPLIANCE: The employee has the responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies and those regulations and policies inherent to position requirements.

PHYSICAL 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.

While performing the duties of this Job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: Typical office environment, travel to customer locations and branches in the serving area.

CONFIDENTIALITY: Confidential information concerning a customer, system, design, program or product unique to First Bank & Trust Company shall not be used for personal gain. Such information shall not be revealed to any person outside the Bank without the consent of the individual or organization involved or as otherwise permitted by law.

The statements on this job description are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Employees may perform other duties as assigned. In addition, all First Bank and Trust employees are expected to:

• Promote teamwork and cooperative effort
• Help train and give guidance to other employees
• Maintain a clean, safe, and unobstructed work area
• Provide customers with the highest quality of products and service
• Understand and apply appropriate quality improvement processes
• Comply with corporate policies and procedures

First Bank and Trust is an Equal Opportunity Employer