Date: November 10, 2026
Job Location: First Farmers and Merchants Bank, 816 S. Garden St. Columbia, TN 38401
Education Level: A bachelor's degree in finance, Accounting, Business Administration, Economics, or a related field preferred. Educational requirement may be met with 3-5 years if relevant work experience. Job Type: Full Time VEVRAA Federal Contractor Request Priority Referral of Protected Veterans EOE Protected Veterans/Disabled Robert C. Matthews, email: bob.matthews@myfirstfarmers.com
Role: |
| To underwrite Business Banking loans, following bank policies and standard. Collaborate with Relationship Managers to provide guidance on loan structures and small business underwriting standards and policy guidelines. |
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Essential Functions & Responsibilities:
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E |
50% |
* Underwrite and analyze Business Banking loan requests, including credit scoring analysis, global cash flow analysis, collateral analysis, and guarantor analysis as needed.
* Prepare clear and concise Credit Memorandums and approval recommendations.
* Identify policy exceptions and recommend mitigating factors when appropriate |
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E |
15% |
* Partner with lenders to discuss appropriate credit structures that meet customer needs while maintaining acceptable risk parameters.
* Provide guidance regarding loan policy, underwriting standards, collateral requirements, and credit risk issues. |
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E |
15% |
* Complete Annual Relationship Reviews for commercial customers with aggregate exposure up to $3 million.
* Review financial performance, covenant compliance, and overall credit quality within assigned ARRs in a timely manner. |
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E |
10% |
* Provide backup support to the SBA Lender and SBA Loan Assistant as needed.
* Assist with SBA loan processing activities, including data entry and loan setup within SBA E-Tran. |
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E |
5% |
Manages the pipeline of Business Banking loan requests. |
N |
5% |
Performs other job related duties as assigned. |
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Performance Measurements: |
1. |
Produce accurate, well-supported, and timely credit analyses and loan presentations. |
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2. |
Maintain a strong understanding of Bank loan policy, underwriting standards, and regulatory requirements. |
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3. |
Effectively identify and communicate key risks, and mitigating factors. |
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4. |
Complete assigned credit requests, reviews, and renewals within a timely manner. |
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5. |
Maintain confidentiality of customer and Bank information. |
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6. |
Develop effective working relationships with Relationship Managers, Credit Officers, and other Bank associates. |
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7. |
Demonstrate strong attention to detail and commitment to sound credit practices set forth in the Bank's loan policy. |
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8. |
Complete required training and continue professional development in commercial credit and banking as needed to increase job knowledge. |
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9. |
Comply with the Bank's Code of Business Conduct and Ethics, Bank Secrecy Act, and all applicable laws and regulations. |
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Knowledge and Skills: |
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Experience |
1-3 years of banking, credit analysis, commercial lending, accounting, or financial analysis experience preferred. Experience analyzing financial statements and tax returns preferred but not required. |
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Education |
A bachelor's degree in finance, Accounting, Business Administration, Economics, or a related field preferred. Educational requirement may be met with 3-5 years if relevant work experience. |
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Interpersonal Skills |
The position requires effective communication and collaboration with lenders, Credit Administration personnel, and other Bank associates. The ability to obtain information, identify information gaps, and clearly communicate analytical findings is critical. Strong organizational skills, attention to detail, and the ability to work independently while contributing to a team environment are essential. |
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Other Skills |
Good communication skills. Requires a working knowledge of spreadsheet software, loan documentation and business and personal financial statements. |
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Physical Requirements |
The person in this position needs to frequently move about inside the office to interact with associates and access office machinery and file cabinets. The person in the position constantly operates a computer and other office productivity machinery, such as a calculator, photocopier, and printer. |
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Work Environment |
This job operates in a professional office environment. This role routinely uses standard office equipment such as calculators, computers, phones, photocopier, filing cabinets and fax machines. |
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First Farmers Bank
Nov 11, 2026