{"schemaVersion":"jobsearcher.job.v1","id":"2e36e490b2e5dd90ed46dee8","url":"https://jobsearcher.com/jobs/2e36e490b2e5dd90ed46dee8","canonicalUrl":"https://jobsearcher.com/jobs/2e36e490b2e5dd90ed46dee8","title":"Credit Analyst I","description":"*At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.\n\nResponsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading.\n\nResponsibilities include, but are not limited to:\n\nPerform credit analyses and financial statement reviews on commercial and ag loan relationships.\n\nCreate professional credit presentations that summarize borrower’s financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.\n\nMonitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.\n\nResearch industry specific information from outside sources and provide analysis.\n\nInvestigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.\n\nReview work of analysts and provide feedback.\n\nMeet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits.\n\nComplete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.\n\nComplete required training associated with job function.\n\nOther duties and special projects as assigned.\n\nQualifications\nEducation/Experience:\n\nBachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function.\n\nKnowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.\n\nFormal training in Microsoft Excel preferred.\n\nSkills:\n\nDetail-oriented\n\nStrong communication skills\n\nAnalytical in nature\n\nPossess stronger than average time management, organization, and multi-tasking skills\n\nBusiness writing skills\n\nComfortable in a team environment working with deadlines\n\nTotal Rewards:\n\nCompetitive health, dental & vision coverage with HSA match\n\n401(k) with employer match + Employee Stock Purchase Plan\n\nGenerous PTO, paid holidays & parental leave\n\nTuition reimbursement & performance-based bonuses\n\nVisit our Total Rewards page to see our full list of benefits\n\nFirst Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.\n\nTHIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT\n\n#J-18808-Ljbffr","company":"Socket","rawCompany":"socket","city":"Champaign","state":"IL","isRemote":false,"isActive":false,"createdAt":"2026-08-09T03:27:31.522Z","occupations":[{"code":"13-2041.00","title":"Credit Analysts","slug":"credit-analysts"},{"code":"13-2072.00","title":"Loan Officers","slug":"loan-officers"},{"code":"43-4041.00","title":"Credit Authorizers, Checkers, and Clerks","slug":"credit-authorizers-checkers-and-clerks"}],"industries":[{"code":"522110","title":"Commercial Banking","slug":"commercial-banking"},{"code":"522390","title":"Other Activities Related to Credit Intermediation","slug":"other-activities-related-to-credit-intermediation"},{"code":"522180","title":"Savings Institutions and Other Depository Credit Intermediation","slug":"savings-institutions-and-other-depository-credit-intermediation"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Credit Analyst I","description":"*At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.\n\nResponsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading.\n\nResponsibilities include, but are not limited to:\n\nPerform credit analyses and financial statement reviews on commercial and ag loan relationships.\n\nCreate professional credit presentations that summarize borrower’s financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.\n\nMonitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines.\n\nResearch industry specific information from outside sources and provide analysis.\n\nInvestigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.\n\nReview work of analysts and provide feedback.\n\nMeet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank’s understanding of credits.\n\nComplete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.\n\nComplete required training associated with job function.\n\nOther duties and special projects as assigned.\n\nQualifications\nEducation/Experience:\n\nBachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function.\n\nKnowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.\n\nFormal training in Microsoft Excel preferred.\n\nSkills:\n\nDetail-oriented\n\nStrong communication skills\n\nAnalytical in nature\n\nPossess stronger than average time management, organization, and multi-tasking skills\n\nBusiness writing skills\n\nComfortable in a team environment working with deadlines\n\nTotal Rewards:\n\nCompetitive health, dental & vision coverage with HSA match\n\n401(k) with employer match + Employee Stock Purchase Plan\n\nGenerous PTO, paid holidays & parental leave\n\nTuition reimbursement & performance-based bonuses\n\nVisit our Total Rewards page to see our full list of benefits\n\nFirst Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.\n\nTHIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT\n\n#J-18808-Ljbffr","datePosted":"2026-08-09T03:27:31.522Z","dateModified":"2026-08-09T03:27:31.522Z","hiringOrganization":{"@type":"Organization","name":"Socket","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Champaign","addressRegion":"IL","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"2e36e490b2e5dd90ed46dee8"},"url":"https://jobsearcher.com/jobs/2e36e490b2e5dd90ed46dee8"}}