Commercial Credit Analyst-Broadly Syndicated Lending

Stifel Financial Corp.; St. Louis (MO); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Health benefits

401k plan

Paid time off

Wellness initiatives

Life insurance

Job summary

Stifel Financial Corp. in St. Louis, MO, is seeking a Credit Analyst to support Commercial Lenders and Portfolio Managers with financial analysis to determine the creditworthiness of borrowers.

The role offers exposure to private and public company lending across industries and requires solid analytical skills. The position involves creating cash flow models, assisting in credit evaluations and risk ratings, ensuring up‑to‑date financial statements, and preparing monthly Board reports.

Qualifications

• Bachelor's degree in finance, accounting or equivalent experience.
• 0–2 years of commercial credit analyst or related experience.

Responsibilities

• Analyze business financial statements and create cash flow models for commercial loans.
• Assist in credit evaluations, annual/quarterly reviews and risk ratings.
• Monitor and manage a commercial loan portfolio.
• Ensure financial statements and certificates are up-to-date.
• Prepare monthly reports summarizing commercial relationships.
• Contribute to Corporate Banking projects as needed.

Skills

Self-motivation

Communication skills

Financial analysis knowledge

Analytical thinking

Independent work

Education

Bachelor's degree in finance or accounting

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Outlook

Job description

Why Stifel

Stifel strives for a culture that puts its clients and associates first: a culture where everyone belongs, everyone is welcome, and everyone contributes to the success of our clients, their careers, and the firm as a whole. Let's talk about how you can find your place here at Stifel, where success meets success.

What You'll Be Doing

The Credit Analyst will provide support to the Commercial Lenders and Portfolio Managers with emphasis on financial analysis in determining the creditworthiness of a borrower. The Credit Analyst will have exposure to both private and public companies over a wide variety of industries, cash flow and other types of lending, and direct and syndicated loan opportunities.

What We're Looking For

• Analyze business financial statements and create cash flow models to be utilized in support of new and existing commercial loans, renewal requests, and amendments.
• Assist in the preparation of credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.
• Assist in the ongoing management and monitoring of a commercial loan portfolio.
• Ensure that certain financial statements and compliance certificates are up-to-date.
• Maintain in-depth knowledge of the soundness of borrowers and collateral through financial research, including evaluating financial statements and analyzing third party data.
• Assist in preparation of monthly Bank Board of Directors reports providing a summary of commercial relationships.
• May assist with overarching Corporate Banking projects.

What You'll Bring

• Self-motivated with strong work ethic.
• Strong ability to effectively communicate (written and oral).
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Strong ability to produce high quality work products independently and as part of a collegial team.

Education & Experience

• Minimum Required: Bachelor's Degree in finance, accounting or equivalent experience
• Minimum required: 0-2 years of commercial credit analyst work or related experience

Licenses & Credentials

• Minimum Required: None

Systems & Technology

• Proficient in Microsoft Word, Excel, PowerPoint, Outlook

About Stifel

Stifel is more than 130 years old and still thinking like a start-up. We are a global wealth management and investment banking firm serious about innovation and fresh ideas. Built on a simple premise of safeguarding our clients' money as if it were our own, coined by our namesake, Herman Stifel, our success is intimately tied to our commitment to helping families, companies, and municipalities find their own success. While our headquarters is in St. Louis, we have offices in New York, San Francisco, Baltimore, London, Frankfurt, Toronto, and more than 400 other locations. Stifel is home to approximately 9,000 individuals who are currently building their careers as financial advisors, research analysts, project managers, marketing specialists, developers, bankers, operations associates, among hundreds more. At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off. Stifel's bank and trust companies are equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following information: Know Your Rights. Stifel is an Equal Opportunity Employer.