Commercial Credit Analyst

Central-Bank-c44c5195; O’Fallon (MO); On-site; USD 55,000 - 75,000; Full time

Job summary

Central Bank in Missouri seeks a Commercial Loan Credit Analyst to review loans for credit standards and policy conformance. You will accompany officers on customer visits and analyze diverse credit data for commercial loans, preparing reports for loan officers and committees.

You will maintain loan files and ensure compliance with loan terms and regulatory requirements. Ideal candidates will analyze financial statements, assess risk, and contribute to credit decisions with judgement and

Qualifications

• Bachelor's degree in business or an equivalent degree program.
• Minimum 1 year business-related experience as a commercial loan credit analyst or position with advanced analytical skills is required.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred.
• Ability to analyze financial statements and loan risk.
• Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information, and manage multiple tasks.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner.
• Strong organizational skills and attention to detail. Must be able to work independently, have a great degree of initiative.

Responsibilities

• Review loans to ensure acceptable credit standards and policy conformance.
• Accompany officers calling on customers when requested.
• Develop and analyze credit information for various commercial loans and prepare credit reports for loan officers and committees.
• Conduct investigation and analysis of routine financial data to facilitate credit decisions.
• Use credit reporting services to compile reports regarding customer credit histories.
• Interpret financial statements and prepare reports on financial position and creditworthiness.
• Assist with preparation and presentation to loan committees; may offer opinions on financial strength and creditworthiness.
• Maintain loan documentation files and monitor compliance with loan agreements.
• Conduct systematic reviews of commercial loans to determine documentation adequacy.
• Monitor financial position of established accounts and flag irregularities to management.

Skills

Financial analysis

Credit analysis

Communication skills

Teamwork

Attention to detail

English proficiency

Education

Bachelor's degree in business or equivalent

Tools

Microsoft Word

Excel

Job description

This person reviews loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Accompanies officers calling on customers when requested, develops, and analyzes all types of credit information pertaining to diversified types of commercial loans, prepares credit reports for loan officers and committees, maintains control over credit requirements of current accounts, and furnishes information relative to credit inquiries. Responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy.
• Accompany officers calling on customers when requested.
• Develop and analyze all types of credit information pertaining to diversified types of commercial loans, prepares credit reports for loan officers and committees, maintains control over credit requirements of current accounts, and furnishes information relative to credit inquiries.
• Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
• Use credit reporting services to compile reports regarding the credit history of potential customers.
• Research and analyze financial statements. Interpret findings and prepare reports on financial position and credit worthiness.
• Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and creditworthiness of customers.
• Maintain loan documentation files and monitor compliance with terms of loan agreements.
• Conduct a systematic review of commercial loans to determine adequacy of documentation.
• Monitor the financial position of established accounts and bring irregularities to the attention of the Department Manager.
• Review loans that are held for follow-up and recommend appropriate action.
• Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.
• Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
• Understand and maintain a thorough knowledge of the Bank's other services and operations such as Cash Management, Correspondent Banking and Trust and make referrals and facilitate introductions as appropriate.
• Engage in activities that will build professional network, charitable boards, community involvement, etc.
• Attend and complete all required training.
• Consistently meet the expectations defined in Central Bank's six standards of Living Legendary.

ADDITIONAL DUTIES AND RESPONSIBILITIES

Assist others as needed. The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.

Requirements

Position Requirements:

• Bachelor's degree in business or an equivalent degree program.
• Minimum 1 year business-related experience as a commercial loan credit analyst or position with advanced analytical skills is required.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred.
• Ability to analyze financial statements and loan risk.
• Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information, and manage multiple tasks.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Strong organizational skills and attention to detail. Must be able to work independently, have a great degree of initiative. Willingness to assume additional responsibilities/duties/projects as they arise.
• Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines. Must be proficient with Microsoft Word and Excel.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to drive a vehicle. Must maintain a current, valid driver's license and an acceptable driving record for bank insurance purposes.

Position Type

Full Time - Regular

Department

Commercial Loan-020101

Work Hours

Monday - Friday 8:00am - 5:00pm

Standard Hours

40

Area of Interest

Commercial Loans

Work Location Options

On-Site

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