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Credit Analyst

First Farmers & Merchants Bank

Job Location:

Columbia, SC - USA

Monthly Salary: Not provided by the employer

Posted: 29 September 2026 (12 hours ago)

Application Deadline: 27 December 2026

Vacancies: 1 Vacancy

Job Summary

Date: September 10 2026

Job Location: First Farmers and Merchants Bank 816 S. Garden St. Columbia TN 38401

Education Level: (1) A bachelors degree or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelors degree (e.g. information technology certifications in lieu of a degree).

Job Type: Full Time

VEVRAA Federal Contractor

Request Priority Referral of Protected Veterans

EOE Protected Veterans/Disabled

Robert C. Matthews email:

Role:

To support the Banks commercial lending function by performing financial industry economic and collateral analysis on some of the larger and more complex commercial credit relationships. This position assists Commercial Relationship Managers and Credit evaluating credit requests completing annual relationship reviews and monitoring existing borrowing relationships. The Credit Analyst prepares credit approval memorandums analyzes repayment capacity identifies key risks mitigating factors and provides independent credit analysis in accordance with Bank policy and underwriting standards.

Essential Functions & Responsibilities:

35%

Perform detailed financial analysis and spreading of business and personal financial statements tax returns rent rolls and other financial information. Calculate financial ratios global cash flow debt service coverage leverage metrics liquidity measures and other credit-related performance indicators.

30%

Prepare Credit Approval Memorandums (CAMs) for new and existing commercial relationships. Analyze loan purpose sources of repayment collateral support guarantor strength industry considerations and overall credit risk. Analyzing and underwriting the Banks larger and more complex commercial credit relationships.

15%

Analyze projections and prepare stress testing sensitivity analyses and other financial modeling as needed to evaluate borrower performance under varying economic and operational scenarios.

10%

Conduct industry economic and market research to identify trends risks opportunities and other factors that may affect borrower performance and repayment capacity.

Assist with portfolio monitoring activities including covenant compliance review risk rating assessments and preparation of annual relationship reviews.

Performs other duties as assigned.

Performance Measurements:

1.	Produce accurate well-supported and timely credit analyses and loan presentations.

2.	Maintain a strong understanding of Bank loan policy underwriting standards and regulatory requirements.

3.	Effectively identify and communicate key risks and mitigating factors.

4.	Complete assigned credit requests reviews and renewals within a timely manner.

5.	Maintain confidentiality of customer and Bank information.

6.	Develop effective working relationships with Relationship Managers Credit Officers and other Bank associates.

7.	Demonstrate strong attention to detail and commitment to sound credit practices set forth in the Banks loan policy.

8.	Complete required training and continue professional development in commercial credit and banking as needed to increase job knowledge.

9.	Comply with the Banks Code of Business Conduct and Ethics Bank Secrecy Act and all applicable laws and regulations.

Knowledge and Skills:

Experience

Three years to five years of similar or related experience.

Education

(1) A bachelors degree or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelors degree (e.g. information technology certifications in lieu of a degree).

Interpersonal Skills

The position requires effective communication and collaboration with lenders Credit Administration personnel and other Bank associates. The ability to obtain information identify information gaps and clearly communicate analytical findings is critical. Strong organizational skills attention to detail and the ability to work independently while contributing to a team environment are essential.

Other Skills

1. High level of mathematical language writing and independent reasoning skills.
2. Proficiency in word processing internet researching multitasking and spreadsheet software.
3. Must be capable of operating all types of office equipment including computer copy machine fax and telephone.

Physical Requirements

The person in this position needs to frequently move about inside the office to interact with associates and access office machinery and file cabinets. The person in the position constantly operates a computer and other office productivity machinery such as a calculator photocopier and printer.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as calculators computers phones photocopier filing cabinets and fax machines.

Required Experience:

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