Job Description Job Title Credit Analyst Reports To Credit Analyst Supervisor Last Updated September 2026 SUMMARY Responsible for the investigation and analysis of credit risks. Resolves moderately complex credit problems but may require assistance on highly sensitive accounts. Makes some decisions regarding credit extension. Review financial data such as market share, income trends, and overall financial wherewithal and determine if loans will be profitable to the bank.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Commercial Underwriting Commercial Underwriting Request o Review the request received

• Verify all financial documentation for each commercial loan request submitted to the Credit Department that has been provided. o Request the remaining documentation/information or a waiver signed by the President/CEO if all information has not been provided.
• Financial Documentation Received o If received via email, upload into Loan Center for new customers or Synergy for customers with existing profiles. o If not received via email, return all documents to the loan officer.
• Review all financial analysis memorandums completed by loan officers o Verify that all required financial documentation has been provided and the figures used are accurate. o If documentation is missing, create an exception in ExTrax for missing documents. o If the analysis has any Policy Exceptions, cite the exception in ExTrax.
• Input financial information received for each loan request over $100,000 into Sageworks to generate Credit Memorandum for the relationship. The Credit Memorandum will incorporate all financial information provided and input into Sageworks
• Interpret financial documents and compile findings into a credit memorandum and/or other analysis documents and reports.
• Prepare a Proforma for commercial loan request when the loan proceeds will be used to acquire an income producing asset (when the appropriate information is provided).
• Prepare repayment analysis, within the credit memorandum or analysis document, for all commercial loan requests based on the financial documentation and information provided by the borrower to the loan officers to determine the borrower's ability to repay current and proposed debt obligations.
• Compare liquidity, profitability, and credit histories of individual or companies being evaluated with similar establishments to determine risk.
• Complete collateral analysis when necessary
• renewals secured by real estate and lines of credit secured by accounts receivable.
• Provide the credit analysis to the loan officer upon completion of each commercial underwriting request.
• Prepare presentations of the complete credit analysis and summaries of loan requests for the loan officers to submit to the Loan Committee and/or Board of Directors for approval.

o After approval, upload signed and approved credit package to Loan Center for corresponding requests. Loan Committee (prep for and attend) Prepare presentations of the complete credit analysis and summaries of loan requests for the loan officers to submit to the Loan Committee and/or Board of Directors for approval

• Attend Loan Committee and Board Meetings on a monthly basis and Loan Officer's Meetings on a quarterly basis. Annual Reviews
• Annual Review Financial Information Required
• o Update Annual Review Spreadsheet based on the Loans Top Exposure List o List all required financial documentation not in Synergy (needed for each loan relationship) o Provide each loan officer a list of their loan portfolio o Update spreadsheet as documentation is received
• Conduct Annual Reviews o Prepare a financial analysis for each loan relationship with cumulative debt greater than $1,500,000 to ensure accurate loan Risk Ratings.

o Notify the loan officer when each Annual Review is complete. o Check for loan officer comments and signatures once completed. o Notify Loan Supervisor regarding the modification when a Risk Rating modification is required. o Scan into Synergy and mark as completed in Annual Review Log. Manage Loan Distribution Program

• Monitor Disbursement Program and process all draw requests submitted by the loan officers o Verify that all documentation has been provided as required for each distribution o Complete the disbursement based upon where the funds are to be transferred
• Verify that all loan disbursements that were submitted on the previous day have been completed. Once verified, change the status to Complete. Borrowing Base Certificates
• Complete borrowing base certificates on a monthly basis for all revolving lines of credit secured by accounts receivable. This is only required for the lines with a balances and is not required if the customer has a zero balance.
• Monitor the borrowing base certificate tracking log to ensure accounts receivable aging reports are received monthly from borrowers.
• Review accounts receivable aging reports and prepare borrowing base certificates in accordance with loan requirements.
• Upload completed borrowing base certificates to Synergy or send to scanners to upload to Synergy.
• Create and maintain ticklers related to borrowing base certificates. Training, Customer Service, and Other Duties
• Provide quality customer service, as outlined in the FNB Employee Handbook (Customer Relations), with each contact with customers, potential customers, internal customers (employees), vendors, and other individuals.
• Complete assigned compliance courses and other assigned training by the deadline
• Other duties and responsibilities as assigned Other Primary (P), Secondary (S), or Back Up (B) Responsibilities that may be assigned
• Back up the Credit Analyst Supervisor as needed
• Monitor the New Loan Listing Report to identify new relationships input to Xperience o Once the new relationships are in core, all financials used in the underwriting process for the customer (in the Credit Department's Customer Files) are uploaded to Synergy o Scan any waivers signed by the President/ CEO for new loans related to current customers into Synergy Back up the Credit Analyst Supervisor as needed•ExTrax Exceptions o Review all financial document exceptions submitted as complete and verify accuracy o If documents are acceptable, approve and clear the exception.

o If documents are unacceptable, decline with an explanation for decline

SUPERVISORY RESPONSIBILITIES

No supervisory responsibilities are assigned to this position

COMPLIANCE RESPONSIBILITIES

All employees are accountable for compliance with all laws and regulations and adherence to established internal controls and procedures when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls. All employees shall be responsible for communicating upward, problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions. Employees must participate in required training on pertinent compliance laws and regulations as required by the bank. All employees will be committed to maintaining a high level of compliance with the Bank Secrecy Act and Anti Money Laundering, USA PATRIOT Act recognizing that these are important tools in federal efforts to combat organized crime, terrorism, and drug trafficking.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the education, experience and/or knowledge, skills, and abilities required for and in the position. Bachelor (4-year college) degree preferred Two (2) years of banking experience preferred or equivalent combination of education and experience

CERTIFICATES, LICENSES, REGISTRATIONS

None required

COMPUTER AND OFFICE EQUIPMENT SKILLS

Microsoft Office Suite (i.e., Outlook, Word, Excel) 10-key calculator, copy machine, MFP

• multi-function printer/scanner/fax machine Computer skills required; Good typing skills (at least 40 wpm) Ability to operate various business office machines

SKILLS PREFERRED/REQUIRED

• Integrity, discretion, and respect for confidentiality and privacy required
• Commercial lending knowledge preferred
• Financial analysis skills required
• Critical thinking skills (analytical) required
• Ability to place and retrieve files (paper/digital) chronological, alphabetical, numerical, or alpha-numeric required
• Must have the ability to communicate clearly and effectively with individuals and groups
• Must have ability to deal with a variety of situations exercising flexibility, critical thinking skills, sound judgment
• Must have research, analysis, and problems solving skills
• Must have excellent time management and organizational skills
• Ability to use independent judgement and discretion required
• Strong interpersonal skills
• Excellent telephone etiquette/communication
• Excellent verbal and written communication skills
• Ability to work well under pressure and meet deadlines
• Must have excellent customer service skills
• Must be neat and well organized
• Must be attentive to details and documentation
• Must be able to complete all assignments with minimal supervision
• Must be flexible and able to shift resources and priorities as required
• Must be dependable and able to work flexible hours/flexible schedule
• Must be able to process work with speed and accuracy
• Must be able to learn new tasks quickly and retain information
• Must be able to follow directions and instructions
• Must be enthusiastic and able to maintain a positive attitude
• Must be a team player and able to contribute to building positive team spirit
• Must have a cooperative attitude toward co-workers, supervisors, and management

ABILITIES MENTAL INVOLVEMENT

Understand regulations and bank procedures and policies; Understand personnel regulations and policies; Interpret requests and questions; Communicate and convey information in a manner that can be understood by others; Participate in intellectual conversation; Analyze and verify; Mathematical skills; Attentive, inquire, comprehend; gather information; Reasoning, logical thinking, decisive, and problem solving; Comprehend and follow procedures and direction; Organize thoughts, work, and information; Handle and diffuse difficult situations; Understand the goals of the bank.

HUMAN RELATIONS INVOLVEMENT

Interact professionally (including verbal and written communication) with employees, supervisors, officers, customers (including irate customers), and individuals outside the bank; Maintain a cooperative and positive attitude with co-workers, supervisors, officers, and customers; Contribute to a positive work environment; Resolve conflict.

PHYSICAL DEMANDS

While performing the duties of this Job the employee is:

PHYSICAL DEMANDS

• Time None Occasionally Less than 1/3 Regularly 1/3 to 2/3 Frequently More than 2/3 Stand X Walk X Sit X Use hands to finger, handle, or feel X Reach with hands and arms X Climb or balance X Stoop, kneel, crouch, or crawl X Talk or hear X Taste or smell

X LIFTING

• Time None Occasionally Less than 1/3 Regularly 1/3 to 2/3 Frequently More than 2/3 Up to 10 pounds X Up to 25 pounds X X Up to 50 pounds X Up to 100 pounds X More than 100 pounds

X WORK ENVIRONMENT

• Time None Occasionally Less than 1/3 Regularly 1/3 to 2/3 Frequently More than 2/3 Wet or humid conditions (non-weather) X Work near moving mechanical parts X Work in high, precarious places X Fumes or airborne particles X Toxic or caustic chemicals X Outdoor weather conditions X Extreme cold (non-weather) X Extreme heat (non-weather) X Risk of electrical shock X Work with explosives X Risk of radiation

X Vibration X Benefits:

401(k) Dental insurance Health insurance Health savings account Life insurance Paid time off Vision insurance

Work Location:

In person