{"id":3307298,"url":"https://alion.io/job/ofic-senior-credit-analyst","title":"Senior Credit Analyst","company":{"id":2107515,"name":"OFIC","domain":"ofic.org","url":"https://alion.io/company/ofic","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Paylocity","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Archbold, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":87000,"max_usd":167000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":5022},"experience_years_min":4,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-26T17:25:23Z","employer_posted_date":"2026-10-27","last_verified_at":"2026-11-13T18:11:47Z","board_verified":true,"closed_at":null,"days_open":18,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":18},"description":"Description\nPOSITION SUMMARY:\nAt The F&M, our Credit Analyst Department (‘Credit’) is a valuable resource for Commercial & Ag Lenders, Loan Committees, Management, and the Bank’s clients to create a safe and sound financial institution. Credit is a culmination of accounting, finance, economics, business law, and occasionally other academic disciplines. The Credit Department seeks inquisitive and analytical bankers to ask important questions about Borrowers’ ability to service debt and delineate proper loan structure.\nF&M has a prudent and strong credit culture, and we service many large and complex lending relationships. A Senior Credit Analyst underwrites and analyzes more complex and larger credit exposures without requiring advanced supervision. To be an effective Senior Credit Analyst, candidates will need a strong understanding of tax returns with voluminous pass-through entities, ability to summarize lengthy lease agreements, and spreading advanced tax returns and financial statements with an understanding of UCA cash flow, fixed charge coverage ratio, and other advanced methods of credit analysis. A Senior Analyst must be able to ask relevant and meaningful questions to receive key information from Lenders and Borrowers that might not always be obvious and then summarize the data in an effective manner. The Credit Department’s goal is to minimize loan losses, create a quality loan portfolio with advanced analytical data, and help our customers succeed.\nOBJECTIVES OF THIS ROLE:\nServe internal customers by providing swift underwriting of Commercial and Ag loans\nIdentify risks and mitigants of a credit request and provide feedback to Lenders, Credit Managers, and Loan Committee regarding loan structure and areas of emphasis\nEnsure the Bank has underwritten sufficient information for complex Guarantors to highlight other areas of risk that might exist outside of the Borrower’s credit request, including global cash flows and other enhanced analysis\nProvide technical advice and assistance to Lenders and other individuals in the lending function of the Bank as needed\nEnsure annual reviews and new approvals have current and required financial information to satisfy internal credit decisions, external loan review assessments, and examiner reviews, as well as confirm that loan risk ratings remain an accurate reflection of the credit risk\nRESPONSIBILITIES:\nSpread and analyze tax returns and financial statements, including interpretation of key ratios\nEnsure the underwriting is presented accurately and has enhanced quality\nCommunicate with Lenders regarding the information needed to complete underwriting\nPrepare Loan Proposals for Loan Committee decisioning\nComplete special projects for Management regarding the loan portfolio\nStay informed about the legal, tax, compliance, and market-risk-related issues involved in the approval of credit \nComply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position\nRequirements\nQUALIFICATIONS:\nBachelor’s degree from four-year college or university; or four or more years related experience and/or training; or equivalent combination of education and experience. Accounting or Finance Major is preferred. \nAdvanced mathematical, analytical, reasoning, and problem-solving skills\nAdvanced reading and interpretation skills for financial statements and legal documents\nKnowledge of Generally Accepted Accounting Principals and IRS Code\nAdvanced writing and computer skills for Loan Proposals with ability to handle multiple tasks\nAbility to pass a background check\nStrong dedication to accuracy and efficiency \nStrong level of ethics, trustworthiness, character, professionalism, confidentiality, and honesty\nADDITIONAL REQUIREMENTS: Certificates and Licenses\nValid Driver’s License \nCOMPLIANCE:\nAs generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance.\nCompliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department\nEXEMPT/SALARIED COMPETENCIES:\nJob Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current.\nProductivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow.\nQuality: Is attentive to detail and accuracy, is committed to excellence, looks for improvements continuously, monitors quality levels, finds root cause of quality problems, owns/acts on quality problems.\nSelf-Development: Seeks out and accepts feedback, is a proactive learner, takes on tough assignments to improve skills, keeps knowledge and skills up to date, turns mistakes into learning opportunities.\nAdaptability: Ability to plan and organize work in new or changing situations, to apply self in emergencies and to respond to new procedures.\nSalary Description\nPay Grade: 2","description_format":"text","description_chars":5359,"description_truncated":false,"requirements":{"experience_years_min":4,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Higher Education","Nonprofits & Foundations"],"lifecycle":[{"event":"open","at":"2026-10-27T01:58:14Z"}],"visa":[],"liveness":{"score":67,"band":"ok","label":"Likely open","p_open":0.9,"p_active":0.83,"p_room":0.9,"age_days":16,"expected_fill_days":30,"reasons":["conf:66","win:mid"],"computed_at":"2026-11-12T10:38:37Z"},"pay":null,"html_url":"https://alion.io/job/ofic-senior-credit-analyst","json_url":"https://alion.io/job/ofic-senior-credit-analyst.json","meta":{"generated_at":"2026-11-13T20:44:35Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":41315,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-14T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":2107515},"rest":"https://alion.io/mcp/rest/get_company?id=2107515"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fofic-senior-credit-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"free","price":{"credits":0,"usd":0},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fofic-senior-credit-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fofic-senior-credit-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/ofic-senior-credit-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fofic-senior-credit-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3307298}},{"tool":"search_jobs","arguments":{"company":"ofic.org","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3307298},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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