Commercial Lending Associate

Central-Bank-c44c5195; Osage Beach (MO); On-site; USD 55,000 - 75,000; Full time

Job summary

Central Bank in Missouri is seeking a Commercial Lending Associate to join the Commercial Banking team. You will support portfolio management, loan administration, and credit analysis for Commercial Loan Officers, coordinating renewals and assists with closings to ensure timely funding.

This role emphasizes client service, relationship building with commercial clients, and collaboration across Loan Servicing, Credit Administration, and Operations.

Qualifications

• Bachelor's degree preferred in finance or related field.
• 1–3 years banking or lending experience preferred.
• Ability to interpret financial statements and tax returns.

Responsibilities

• Assist with ongoing management of commercial loan portfolios.
• Support relationship management with commercial clients and internal stakeholders.
• Coordinate loan renewals, modifications, and servicing needs.
• Assist in loan closings and gathering required documentation.
• Support underwriting and credit analysis activities.

Skills

Financial statement analysis

Cash flow analysis

Credit risk assessment

Analytical skills

Communication skills

Customer relationship management

Microsoft Office

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agriculture Biology

Tools

Excel

Word

Outlook

Portfolio management systems

Job description

The Commercial Lending Associate serves as a key member of the Commercial Banking team, providing portfolio management, customer relationship support, loan administration, and credit analysis assistance to Commercial Loan Officers. This position coordinates loan renewals, assists with loan closings, collects and reviews borrower documentation, maintains portfolio quality, and supports underwriting efforts for new and existing credit relationships. The role is designed to enhance client service, improve portfolio administration, and provide a developmental path toward a Commercial Loan Officer or Portfolio Manager position.

Essential Duties and Accountabilities

Portfolio Management

• Assist Commercial Loan Officers with the ongoing management of commercial loan portfolios.
• Monitor loan maturities, financial reporting requirements, borrowing base reports, covenant compliance, and documentation exceptions.
• Coordinate annual reviews and periodic credit monitoring activities.
• Identify upcoming renewal, modification, and servicing needs and communicate them proactively.
• Help ensure loans remain compliant with bank policy, approval requirements, and applicable regulations.

Customer Relationship Support

• Coordinate with Loan Servicing for commercial customer inquiries and servicing requests.
• Develop and maintain professional relationships with commercial clients.
• Coordinate communication among borrowers, Commercial Loan Officers, Credit Administration, Loan Operations, and other bank departments.
• Assist customers with documentation requests, loan maintenance matters, and closing requirements.
• Support Commercial Loan Officers in managing and expanding customer relationships.

Loan Renewals and Modifications

• Obtain updated financial statements, tax returns, rent rolls, organizational documents, and other required borrower information.
• Assist with preparation of loan renewal and modification requests.
• Review borrower documentation for completeness, consistency, and accuracy.
• Track maturing loans and help ensure renewal packages are completed before maturity.
• Coordinate with Credit Administration and Loan Operations throughout the approval and documentation process.

Loan Closing Coordination

• Assist with collecting and organizing required due diligence and closing documentation.
• Coordinate with commercial loan processing associated with monitoring outstanding conditions and documentation items related to commercial loan closings.
• Confirm required documentation is received and submitted before funding.
• Assist in resolving documentation deficiencies and post-closing exceptions.

Credit Analysis and Underwriting Support

• Analyze business and personal financial statements, tax returns, and supporting financial information.
• Prepare financial spreads, trend analyses, and borrower or guarantor summaries.
• Assist with cash flow analysis, debt service coverage calculations, global cash flow analysis, and collateral evaluations.
• Support preparation of credit approval requests, annual reviews, and relationship summaries.
• Work with Commercial Loan Officers and Credit Administration to evaluate creditworthiness, repayment capacity, and overall relationship risk.

Administrative and Reporting Functions

• Maintain accurate loan, customer, and relationship records.
• Assist with portfolio reporting, exception tracking, and management information requests.
• Support internal audits, compliance examinations, and loan review activities.
• Follow established documentation standards, bank procedures, and regulatory requirements.
• Perform other duties as assigned or as needed.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.

Requirements

• Education and Experience
• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agriculture Business, or a related field preferred.
• One (1) to three (3) years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience preferred.
• Equivalent combinations of education, training, and directly related experience may be considered.
• Knowledge, Skills, and Abilities
• Basic understanding of commercial lending principles, financial statement analysis, cash flow analysis, and credit risk assessment.
• Strong analytical, organizational, and problem‑solving skills.
• Ability to interpret financial statements, tax returns, and supporting borrower documentation.
• Effective verbal and written communication skills.
• Strong customer service and relationship management abilities.
• Ability to manage multiple priorities and meet deadlines.
• Proficiency with Microsoft Office applications, including Excel, Word, and Outlook.
• Ability to learn and effectively utilize commercial lending and portfolio management systems.
• Supervisory Responsibilities
• This position has no direct supervisory responsibilities.
• Additional Requirements
• Regular and reliable attendance and punctuality are required.
• Must be able to perform the essential functions of the position with or without reasonable accommodation.
• Physical Demands and Working Conditions
• This role works in a standard office environment and involves extended periods at a computer, regular communication in person and by phone, and occasional lifting of items up to 25 pounds.
• Central Bank will provide reasonable accommodations to enable individuals with disabilities to perform the essential functions of this position.
• Working Environment
• Primarily performed in an on‑site banking office environment with frequent interaction with customers, lenders, and internal departments.
• Occasional travel to customer locations, training sessions, community events, or other bank facilities may be required.

Position Type

Full Time - Regular

Department

Commercial Loan-011101

Work Hours

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

Standard Hours

40

Area of Interest

Commercial Loans

Work Location Options

On-Site

undefined

We strive to make this site accessible to all users. If you would like to contact us regarding the accessibility or need assistance, please email [e-mail].