Okay, I've searched for full-time Credit Analyst roles in Fort Collins, CO, requiring a Bachelor's degree in Finance or Accounting, with 2+ years of experience, and including medical insurance benefits. I have found 27 positions matching your criteria.

Sure. Here's the analysis:

Job Analysis:

The Credit Analyst role at First National Bank centers on rigorously assessing the creditworthiness of prospective borrowers by deeply analyzing financial documents such as tax returns, financial statements, cash flow projections, and credit reports. The core purpose is to enable sound, data-driven lending decisions that balance risk management with supporting community financial goals. This requires a nuanced understanding of financial metrics and industry trends, along with the ability to prepare clear, persuasive credit presentations outlining credit structures and recommended terms. The analyst works closely with loan officers, emphasizing teamwork in a community bank setting where local decision-making is valued. Success means consistently delivering accurate risk assessments that protect the bank’s portfolio and promote sustainable lending growth. The job calls for patience and strong attention to detail while navigating the nuances of credit policy and economic variables. The preferred candidate will bring at least two years of credit analysis or lending experience, familiarity with Moody’s Analytics or similar tools, and a Bachelor’s degree in finance-related fields, enabling the candidate to efficiently interpret complex financial data and apply regulatory guidelines. Beyond technical competence, the role demands independent judgment in credit risk evaluation and problem-solving skills to handle ambiguous financial scenarios and coordinate timely credit decisions within a collaborative, community-driven environment.

Company Analysis:

First National Bank is a longstanding family-owned community bank grounded in a strong hometown ethos that prioritizes relationship-driven service, local decision-making, and community impact. Founded in 1934, it operates both main street and rural branches, emphasizing financial wellness for individuals, businesses, and agricultural partners. This positioning as a community-centric bank reflects a culture that values personalized attention, accountability, and leadership in local markets rather than competing as a large-scale national institution. The bank’s steady growth is balanced with maintaining traditional values and a mission to exceed customer expectations continuously, which suggests an environment that rewards integrity, passion, and teamwork. For the Credit Analyst role, this means joining a team that is as committed to community impact as it is to financial prudence. The organizational context likely involves close collaboration with loan officers and other banking professionals to ensure timely and responsible credit decisions. The role carries visibility as a critical gatekeeper for credit risk, directly contributing to the bank’s mission of supporting community financial goals while protecting bank assets. This is a strategic hire supporting stable growth and sound portfolio management, where success aligns with the company’s vision of winning by helping customers win. Cultural fit hinges on embracing service excellence, accountability, and local market leadership within a stable yet mission-driven banking institution.

Absolutely. Here are some mock interview questions that could come up:

• Behavioral: Tell me about a time when you had to analyze complex financial data to make a credit decision. What was your approach and the outcome?
• Behavioral: Describe a situation where you had to work closely with a loan officer to reach a timely credit decision. How did you ensure effective collaboration?
• Behavioral: Can you share an experience when you identified a significant risk or issue in a credit application that others had overlooked? How did you handle it?
• Behavioral: Tell me about a time you were held accountable for a decision that had financial implications. How did you manage the responsibility?
• Technical: How do you approach analyzing a borrower's cash flow projections and what red flags do you look for in financial statements?
• Technical: Walk me through your experience using Moody’s Analytics or similar software. How have these tools enhanced your credit analysis?
• Technical: How would you prepare a credit presentation for a loan committee? What key elements must be included to make a compelling case?
• Technical: How do you stay informed about industry trends and economic conditions to incorporate into your credit risk assessments?
• Situational: Imagine you encounter a borrower whose financial documents suggest potential risk but also show strong community ties and a history with the bank. How would you balance these factors in your recommendation?
• Situational: Suppose you disagree with a loan officer on the creditworthiness of a borrower. How would you handle this disagreement while maintaining a productive working relationship?
• Situational: If tasked with conducting a portfolio review and discovering an unexpected increase in risk levels, what steps would you take to address the issue?
• Company Fit: What attracts you to working for a family-owned, community-focused bank like First National Bank?
• Company Fit: How do your personal and professional values align with our mission of supporting community financial goals and delivering quality service?
• Company Fit: In what ways do you see yourself contributing to our culture of accountability, passion, leadership, and community?
• Questions for Interviewer: How does First National Bank support ongoing professional development for credit analysts?
• Questions for Interviewer: Can you describe the typical interaction between the credit analyst and loan officers during the credit decision process?
• Questions for Interviewer: How does the bank balance its hometown, community-focused approach with the need to adopt innovative lending tools and methodologies?