Senior Credit Analyst



  • Serve as a team member who stabilizes our ability to grow by having a demonstrated knowledge of full financial analysis of ag and commercial credits.
  • Assist the loan department and bank in achieving its goals for profit, growth, and loan quality.
  • Work with lenders and Relationship Managers to collect the necessary documents in order to make accurate credit reviews.
  • Prepare and analyze financial spreads using the bank’s software in a timely and accurate manner for loans requests of any relationship/size; including the largest and most complex lines and those with unusual structures or industries.
  • Responsible for performing timely loan review and bringing issues of concern forward to the attention of the Chief Credit Officer or Credit Administration Supervisor as loan grades are assigned.
  • Develop material for and assist with or make loan presentations to Loan Committee when requested. Serve as a non-voting participant of the Loan Committee.
  • Perform collateral analysis on impaired loans. 
  • Assist Chief Credit Officer with preparation of monthly reports for credit committee, as well as the Board of Directors.
  • Assist Chief Credit Officer with work out situations on troubled credits. 
  • Assist Ag/Commercial Lenders in monitoring credit portfolios.
  • Monitor both purchased and sold participations for interim and other documentation that is required per loan agreements and participation agreements.
  • Assist other Loan Department personnel as requested. 
  • Provide training and education to other credit analysts, lending staff, and new employees as appropriate.
  • Assist the Credit Administration Supervisor with reviewing the work of other Credit Analysts.
  • Participate in community activities to increase the bank’s visibility and to enhance new business opportunities. Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program”.
  • Perform other duties as assigned.


  • Excellent analytical skills, including the ability to define problems, collect data, establish facts, and draw valid conclusions.
  • Excellent communication skills. Ability to interact comfortably with internal and external customers.
  • Strong computer skills utilizing Excel, Word, and other industry specific software, with potential to serve as a program expert.
  • Ability to work in an environment with sensitive information, always maintaining a high level of confidentiality.
  • Proven record of critical thinking skills.
  • Ability to travel as needed for job related education, workshops, and conferences.


Education: Bachelor’s degree in accounting, financial management, business administration or related field.

Experience:  3 years credit analyst, lending, or comparable experience, with experience with Ag, C&I and CRE credits.


Join our team today and enjoy exciting opportunities for growth and career development at First Security Bank & Trust. 

Employment Application 

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