DescriptionTo use all information in creating a clear picture of the customer's financial position. This is vital to the Lenders; it allows them to make well informed decisions before entering into a lending relationship with the customer.ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:Compose analysis based on historic, projected, and stressed financial information. This analysis will clearly illustrate the customer's ability to re-pay the requested amount, and is accomplished by creating cash flow statements for each participant and writing an analysis of their performance over the past three (3) years.Project the customer's performance for the next year by using customer prepared projections, analyst prepared projections, or a combination thereof.Effectively communicate with the lenders to clearly understand all factors contributing to the loan request.Generate questions to the lender for the purpose of completing the credit presentation, accuracy of cash flow, and to resolve any other discrepancies in the underwriting.Translate and interpret financial data from tax returns, compilations, reviews, and audited statements; personal statements; and other financial statements to create spreads utilizing WebEquity software.Access Kroll Factual Data to obtain and analyze Tri-Merge Credit Bureau reports on individual participants in the requestUtilize web sources, such as the Ohio Secretary of State or the Mahoning County Auditor to retrieve other necessary informationAccess Fiserv/Viewpoint to research the customer's complete deposit and loan relationship with the BankRecognize the level of analysis that is appropriate for the requestRetrieve industry information through First Research and demographic information through SNL financial via the Internet.Perform reviews for Special Assets' commercial relationshipsEstablish/organize all loan information in credit fileAttend meetings with lenders and clients as neededAccurately risk grade borrowers, co-borrowers, and guarantorsEnsure proper aggregate exposure and coding of credit facilities, both new and existingReview appraisals and environmental reports to ensure accurate collateral analysisUnderstand various business entities structures and required documents needed for verificationUnderstand and apply credit policies and proceduresAttend and participate in weekly staff meetings and trainingSpecial projects assigned by Commercial Credit Manager as neededComplete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulationsRegular, predictable attendance is an essential requirement of this position EDUCATION and/or EXPERIENCE:Bachelor's degree (BA) in Accounting or Finance from four (4) year college or universityMinimum of one (1) year commercial credit analyst experienceStrong background in working with financial statement and advanced understanding of the information available on financial statement and how they related to the customer's business operations and ability to repay loan.Knowledge of Word, Excel, and Outlook and Internet navigation/research is expectedAbility to clearly and effectively communicate both verbally and in writingE-Verify is used to confirm the identity and employment eligibility of all newly hired employees.QualificationsEducationBachelors of Finance (required)SkillsMicrosoft Excel (required)Risk Management (preferred)Commercial Lending (preferred)Credit Analysis (required)Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran