Credit Analyst
huntington
Credit Analyst
About this role
Company Description
Career Opportunity: Credit Analyst with Farmers and Merchants Bank in Dayton, OH
Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the scenes while playing a critical role in a bank’s success? If yes, we want to speak with you!
Farmers and Merchants Bank is growing in the South Dayton area. We are your hometown bank, proudly serving residents and small businesses with friendly, personalized service for over 90 years.
Job Description
As the Credit Analyst, you will support the bank’s lending function with a strong focus on commercial lending. You’ll partner closely with lenders and the credit team to analyze financial data, assess risk, and help ensure sound credit decisions—while keeping lending operations running efficiently and compliantly.
Additionally, you will:
- Underwrite and analyze commercial loan requests, including financial spreading and risk grading
- Prepare and review credit memos and loan presentations for accuracy and completeness
- Evaluate financial statements, cash flow, and tax returns to assess borrower risk and trends
- Assist with annual reviews of commercial clients and monitor changes in credit risk
- Support centralized lending processes, including underwriting, documentation, and due diligence
- Review loan documentation to ensure compliance with bank policies and regulations
- Track and collect financial information from commercial clients
- Assist with lien filings/releases, flood determinations, and insurance tracking
- Support loan administration tasks, including escrow accounts and loan system maintenance
- Balance general ledger accounts and process loan-related transactions
- Prepare reports and support board-level loan presentations
- Provide overall administrative and analytical support to the lending team
Qualifications
Qualifications:
- 3+ years of experience in commercial credit or loan administration (community bank experience preferred)
- Strong financial analysis, credit risk assessment, and problem-solving skills
- Ability to interpret financial statements and identify potential risks or inconsistencies
- High attention to detail with strong organizational skills
- Ability to manage multiple priorities and work independently
- Excellent communication and collaboration skills
- Proficiency in Microsoft Office, especially Excel
- High school diploma required; degree in Accounting, Finance, Business, or related field preferred
Additional Information
If you’re ready to build your credit expertise and make an impact on lending decisions, apply today!
Employer is EOE/AA/M/F/D/V.
Frequently Asked Questions
Is the salary disclosed for the Credit Analyst position at strategichrinc?
The salary for this Credit Analyst role at strategichrinc is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Credit Analyst position at strategichrinc located?
This Credit Analyst role at strategichrinc is based in Miamisburg, Miamisburg, OH, United States, OH, us. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Credit Analyst role at strategichrinc full-time or part-time?
This is listed as a Full time position. It is posted as a Credit Analyst role at strategichrinc.
How do I apply for the Credit Analyst position at strategichrinc?
Click the "Apply Now" button on this page. You will be redirected to strategichrinc's official application portal hosted on smartrecruiters where you can submit your application directly.
When was the Credit Analyst job at strategichrinc posted?
This Credit Analyst position at strategichrinc was posted on Jul 21, 2026. Apply as soon as possible — early applications are often reviewed first.
Credit Analyst
strategichrinc
You'll be redirected to strategichrinc's official application page on SmartRecruiters.