Commercial Credit Admin

Responsibilities:

• Gather documentation for evaluation in the loan underwriting process.

• Complete analysis of financial statements, collateral, DSCR and covenant compliance.

• Complete loan presentations, collaborating with the responsible lender.

• Assist with maintenance of credit files and monitor borrowing base certificates, construction draw spreadsheets and assist in preparing monthly reports.

• Perform file maintenance reviews and performs site visits.

• Conduct underwriting for annual reviews to assess client performance, identify risk shifts, and address documentation, system, or analysis gaps.

• Communicate findings with responsible lender and collaborate on mitigation or resolution strategies.

• Work with commercial credit team to maintain historical financial reports, industry outlook resources, and benchmarking indicators for current and potential financial solutions.

• Assist in research to gain deeper insights into customer relationships and industry changes.

• Maintain a working knowledge of the bank’s products, services, policies and procedures, and compliance with related federal and state laws and regulations.

• Complete all required annual training and seek opportunity for continuous professional development.

Qualifications: Associate or bachelor’s degree in a related field (Finance, Business or Accounting).

Benefits: Options for full-time employees include, depending on your eligibility: medical health coverage, dental and vision options, life insurance, long-term disability protection, long-term care insurance, 401(k) with match, educational assistance. FCBT generally provides the following paid time off, depending on your eligibility: up to 11 paid holidays a year, 56 sick hours, and between 5 - 20 vacation days each year, depending on career level and years of service.

Company Overview: First Community Bank and Trust is a privately owned bank. Established in 1916 First Community Bank and Trust has been serving Beecher, IL, Peotone, IL and the surrounding communities for over 109 years. Our commitment to providing the best banking products and services is matched only by our outstanding customer service. We offer traditional community banking services, including mortgage, consumer, and commercial lending, as well as state of the art electronic banking services.

Direct Inquiries to: Direct all inquiries to Tammy Hoffman at thoffman@firstcbt.bank or (708) 946-2246.

Equal Employment Opportunity (EEO): FCBT provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.